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I had you booked in today just to kinda obviously go through and finalizing and consolidating everything for you now and everything is sorted with your me and everything. Do you still have time to go through that? Yep. That's fine. I can do it in that time frame for you. Yeah. No. Now I do know as well that my colleague Jacob mentioned that you and Natalie are separating. Yep. So I'm obviously sorry sorry to hear that. And I guess moving forward just for your reference as well. So just to make sure there's no conflict, I won't be able to look after both of you. So if we're doing, you know, advice today and you are happy with that and everything, then I can keep servicing you. That's no problem. And if Natalie will just have to speak to one of my colleague just to keep it completely separate because otherwise, I can't do, obviously, best interest for both of you, if that makes sense. Yep. Yep. Perfect. Now if anything has changed in terms of your goals and everything like that as we're going through things, just let me know, especially with the insurances. Now when it comes to the insurances as well, it's always I say it's always better to apply for a little bit more as well if if that, you know, the mortgage and stuff will change because it's super easy to reduce it. Because the insurer's taking on less risk, it's just a quick form to reduce it. It is harder to to increase it. So if anything has changed in terms of what you want yep. Yep. Okay. So we'll leave it for now. Yeah. And and that's easy because then it's like if you do have less, obviously, debt moving forward, you do have more cover if something were to happen. And when things are a bit, you know, more settled for you, we can always reduce the cover if you feel like you don't need as much anymore. That's very easy. Does that make sense? Exactly. Yes. Now I have just sent you an email with the recommendation to go through. Do you have access to your emails at the moment or not really right now? That's okay. Yeah. If you can, that would be good. But if not, I can always run it through with you. And then if it's easier for you to do it later, you can always have a read over it when you have a bit more time and access through it. It's completely up to you. Yep. I'll I'll call you back. Yep. K. Perfect. So we have changed the software a little bit, so it might look a bit different. But in the email, if you click on the link where it says sign out, it will get you to open the document, but they won't get you to sign anything right away. Before you click on the link, you will see a couple of attachments as well. That's all your research materials. So I won't go through all of that with the Excel. Otherwise, I'll keep you here for a while. But that's essentially where all the research and everything is accumulated and the investments and stuff like that. That's where that all is. But if you can just click on the link for me, and it should open up where it says statement of advice. Yes. Sorry. It'll get you to click on the link, but it won't ask you to sign anything first. It just allows you to open the document. Yes. That's it. Perfect. Now you are a little bit faint. So just if I can't hear you properly, just just let me know if I do talk over to you or anything like that. That is a little bit better. Thank you. Now like I said, I'll try to make it really quick for you. We have gone through kind of this before. And so a lot of it is just for for compliance. But, essentially, what we are looking at today is to get everything sorted and finalized and consolidated for you and get those insurances sorted. Now as per last time, always have to follow that this interest duty, which is outlined on page two, which is that we have to always act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, I cannot actually make the recommendation. Does that make sense? Yep. Perfect. Now as you scroll through, again, I'll try to make it quick for you. Like I said, what we are looking at today is your superannuation, reviewing your superannuation to see if we can get it consolidated. I also looked at your investments to see because, obviously, things in the last twelve months have fluctuated a little bit, and there's been a lot going on in the world. So we've done I've done some recommendations and updating some of those investments for you, which I will go through. Otherwise, just trying to get those insurances sorted for you, which is essentially what we are looking at today. So if you could do me a favor and scroll down through page. Let me see here, 16 where it says see comparison. Just let me know when you can see that page. Page yeah. Is it the 16 or 17 if you account the cover page, but it should say fee comparison table. Yep. You can see that. Now I have researched both your superannuation, so both Basque and Hub twenty four and also other providers. Again, just to make sure Hub twenty four is still going to be the best option for you because there are always, you know, new products and features that do come out. So that's not to say it's always going to be, so that is important for us to keep researching. But from all of that, Hub twenty four still very much is the best recommendation when it comes through, you know, the fees, the investment choices in comparison to a lot of their similar options. So I have recommended that you stay in hub twenty four. Now I did consider just keeping you in Basque and rolling over to Basque if that was going to be better for you. But because of the limitation on the investment option in Basque, I couldn't achieve the same investment return as I can in Hub twenty four. So I have recommended that we completely consolidate everything into Hub twenty four to make it nice and easy and also updating some of those investments. And by doing it, you can see that the total cost has actually been reduced. So even though from an administration point of view, Bastia is a little bit cheaper than hub twenty four, by still making the changes to your $179 per year in just fees alone. That make sense so far? Yep. Basically, for what you what your goals are and what you are trying to achieve and trying to maximize that growth for you, yes. After doing the research, I couldn't achieve the same outcome in bus queue as I as I can in Hub twenty four. And basic so net contribution is how much super you get per year from your employer after tax. So the tax is 15%, but, yes, the net contributions is your employer contributions after tax that they pay. Yep. Now this here as well also includes the insurance premium, which I will go through the new policy for you. I have been able to do so. When you are swapping and selling some investments, there are sometimes capital gains tax associated with it. But the way that we have swapped your investments, there is no trigger in capital gains tax, which is great. Now when it comes to the performance, so the difference between them, you can see there at the bottom, it says a five year rolling average. So the the kind of updated recommended portfolio in hub '24. And because, also, you don't have the plus q anymore, and that had underperformed a little bit. The the new recommended portfolio consolidated has performed a little bit better when we are looking at that five year rolling average time frame. But what I have also done on the following page, the page 17 or 18, you can see a twelve month, three year, and five year as well. Can you see that? Yep. Exactly. Just to show you a bit more of that the recommended across both the twelve months, the three years, and five years has kind of outperformed in all categories as well, which which is good, and it's a little bit cheaper. In ten years? Exactly. So by making the change. That is assuming everything stays the same. So your contribution stays the same. If you get a pay rise and you earn more, then your employer is gonna put more in, which is gonna compound. But then, also, there is no, obviously, guarantee when it comes to the performances. We can't guarantee anything. But that is why we use a five year rolling average when we calculate the projection to give you a bit more, you know, certainty over a a longer period of time of what actually happened. Then let's say if I used a three year, as you can see, it has performed a lot better, but that's only a three year time frame. So using that five year gives us a little bit more certainty of how the portfolio has performed, but then also the market as well. Does that make sense? Yeah. No. No. No. Definitely not. So if you want it through salary sacrifice, you could literally just let either you can go directly to employer because they set it up for you and say, hey. I wanna put in x amount per week or fortnightly or monthly depending on how you get paid, and they will do that for you. You can always just send me an email otherwise of how much you are looking at doing. I would say that's the better way just so that I can run the numbers for you. Because there is a cap space on how much you can put in to get the tax effective, which is 30,000 per financial year. If you exceed that, you're not gonna have the same tax benefit, and you also have to pay a little bit more. So I would say it's always better if if you know how much you want to do, Email me and say, hey. I would like to put in $100 a week, a $100 a month, or whatever it might be, and then I can send you do the math for you just to make sure you stay under the contribution cap. And then I can draft a letter, and then you can just forward out to your employer to say that you would like to start salary sacrificing, you know, assuming you see under the cap. And in that email, I can always put as well how much that changes your take home pay as well as your tax savings to make it easy. Yeah. Probably a long winded answer, but, yes, we can definitely help that. Yep. We can reassess. Yep. That sounds good. And you can just even email me or call and say, hi. We like to look at reassessing that now. And you can like I said, you can either just email me and say, hey. This is how much I'm looking at, or you can give me a call and we can talk through, you know, different options and figures and stuff for you. But I'll make a little note that it is something we wanna look at, you know, in in the near future. And, obviously, if yeah. Yes. No. We're not doing that. Yep. We're not doing that. Yep. I know that was and, also, I'll make a note to the team through like, on Hub twenty four. So we don't have family linking. So, obviously, you can use the information and stuff like that. So that's all been sorted for you as well. And I've taken off the eTPA on the account that you guys can call up and ask each other's behalf as well. So that's taken off. So it's completely separated. Yep. No. That's okay. Yeah. No. Good. No. Definitely. As soon as Jacob told me that. And, usually, with the contributions playing because you kind of do it, like, as a as a lump sum throughout as well, it's something we would even reassess and confirm with you before doing it because you can do it at different times. But, no, we haven't done that. Yeah. Sorry. That's all that's all with you, and we don't we've canceled that moving forward as well. I don't think I'll triple check, but I don't think we actually did much of it at all, if any, because when how it works is that you can do it in a lump sum before the end of the financial year. So that's typically when we would do a bit of a lump sum before the end of the financial year. And because that hasn't happened yet, there was a reminder for my colleague, Jack, who I think you've spoken with a few times in regards to insurances to to reach out and do that transfer for you in a month or so. But because, obviously, your situation has changed, I've canceled that, and we haven't actually processed it yet, which is good. Yeah. I know. Yeah. Yeah. Do you have a, like, a good lawyer and stuff that you you are working with or that's helping you with anything? Okay. Yeah. Yeah. Yep. Yeah. Yeah. Yeah. Yeah. And that's kind of you as well to be like, okay. Well, while you were off work and that's often what I'm hearing from from people as well. It's like, well, while you were off work looking after our baby and I was working, that's fair. But before then yeah. I'll leave that to to you guys, but I can see your reasoning behind behind that. Yeah. Yeah. Let me know as well if there's any, you know, drastic changes or anything, but we will get notified if there is a request or, like, a rollover or anything like that if it comes to it later. So just kind of keep me in the loop if, you know, there is anything that does change with your super as well. Perfect. Now I know you only have about a couple more minutes. So before I kind of jump into insurances quickly, do you have any questions in regards to, you know, the super or anything like that, or it's, you know, pretty straightforward? So that's also why you speak to us so you don't have to worry about it. Yeah. Yeah. Yeah. And and that's how it is because it's like it takes you don't have to worry about it, and we'll obviously do annual reviews every twelve months. If you want more catch ups to see if you want more, we can do it six monthly or or quarterly as well. It's completely up to how much contact you would want. And we always give you updates on, you know, what's happening, keeping a look at even for, like, the newsletters and stuff, which sometimes gives a a good update of what is going on. But, otherwise, our job is literally through, you know, manage and look after your superannuation, and we always have to, you know, act in your best interest when we do anything. And we can't just go ahead and make changes without your approval or anything like that. But, obviously, it's it's our job through you to do all the research and make sure that we have you in the best option and position for your retirement. So that is not something you have to worry about. Yes. Yes. Yes. I did look at that as part of the research for you, which is the the SMA, so a self managed account, which we recently launched with BlackRock. So I consider that as part of the research for you. And at the moment, when I did all the numbers and all the research, the portfolio in Hub 24 that I have recommended has performed a little bit better historically than the SMA currently, and it's also cheaper for you. So the SMA was a little bit more expensive and hadn't performed as well up to this point. That's not so, therefore, I didn't recommend it because I couldn't justify that that was going to be better for you than the recommendation I have made. That's not to say that things might change, and we might be able to move that through the SMA because the the positive thing with the SMA is that we can very quickly make those changes. We still research and do those changes for you anyway. It would just mean that I would run through the changes with you, and you would assign a document to say that you are happy with the change, and then I can go ahead and make it. That's basically the difference. Yeah. But, yes, it's something we're always reviewing. Now I know you only have a couple more minutes, so I will leave leave the superside for you. Investments, when you have a look at it, which is paid to 19, I have made a couple of changes in regards to the investment. Nothing drastic just to improve the returns and the the fees for you a little bit. It is still very diversified, and the philosophy and everything stays the same. It is literally just swapping some that wasn't performing as well, the true and better option. If it is something you wanna go through in more detail with me later, just let me know. I'm more than happy to do so. But, otherwise, I have sent you investment links so you can have a look at it as well because I know you don't have too much more time with me. Unless we contact you to say that, hey. We're doing research, and we foresee this investment changing, then I'll contact you and say, hey. I would like to look at swapping, you know, let's say you have one in Japan. Let's say we foresee something happening in Japan and that's not going to do well, I will then contact you and say, hey. I would like to look at changing this investment, you know, based on the research and everything that we do, and then we'll obviously do those changes throughout the year. But if there's no, you know, drastic changes or anything, and lot lot of it is also build up for long term growth. So it can, you know, withstand those short term fluctuations and cyclical trends in the market. And then, yes, otherwise, things will stay until next annual review or unless you call me and say that you wanna change anything or review anything. Yep. Now with your insurances, I do quickly wanna run through that with you, which is page 21. I'll tryna be quick because we have gone through most of how the insurance functions and everything like that last time, but I have actually recommended a new insurer. So same amount. So page 21, same million dollar life and TTD. Like I said, once everything gets settled, if you feel like you don't need as much anymore, we can easily reduce it, which will mean the premium gets cheaper. But then at least in the meantime, you do have, you know, a lot of especially that TCD. Because if something were to happen to you, you will need potentially a bit more of that income replacement to help you get through as well. Correct. Yes. And that is for all three. Yep. Sorry. What was that, Xavier? Yeah. And especially, for the level of cover. I because you're quite young, still The insurance point of you usually, the older you get, the more expensive they get because you can have, you know, more health issues and stuff like that. So for a million dollar worth of cover for life and TPD as well as an income protection, and the income protection, because your income is quite high, it will pay pay you that monthly benefit amount of 9,917 per month. I've also added a benefit that if you are on claim, you will continue to get contributions added to your superannuation even though you will not be working for the duration of the claim. So does that make sense? Yep. Perfect. Thirty day waiting period, five year benefit periods are similar to last time. The the added kind of benefit with Zurich is that they pay fifteen days in arrears. There's only two providers who do that, which is Zurich on one path, every single else through thirty days in arrears, which will mean that you'll get to claim quicker on Zurich policy. If something were to happen, you'll be able to get that benefit paid to you quicker than with other providers, which is good. And they just do that built in. Yeah. Perfect. Now when you read through the document, when you have some time, there are a bit more information in regards to the policy, all the advantages. In regards to it, I've also included a PDF. So everything you need to know about your Zurich insurances there for you. If you have any questions, let me know. Otherwise, in terms of inclusions and features, it's very similar to the other provider that I spoke to you about last time. But when I run the numbers this time, it still came out a little bit more competitive in price as well as still having the the same features. So that's really good. Made it a little bit cheaper. And I do wanna just yeah. So income protection is if you're unable to work temporarily. So, yes, trauma, which is on the page 22, I have recommended the trauma for you again, at a 150,000. Now that is a separate policy. The trauma is if you suffer any of those traumatic events, like cancer, stroke, heart attack, neurological condition, that is not dependent on you working at all. So you could still be working and earning an income if you get a diagnosis. That's when you will get paid the 150,000 completely tax free to your back pocket. So this policy is out of pocket. So the monthly premium is $52.65. So, obviously, have a think about cash flow and stuff like that. Again, if you say, okay. I'll I'll happy to start with the trauma and start with everything, and something changes with your cash flow when you have, you know, a better understanding of rental expenses or anything like that and you go, no. I I don't wanna pay for out of pocket anymore. We can just cancel it. It's really easy to cancel if you change your mind. But, again, obviously, I'll let you think about it. But it's $53.65 per month, and that gives you a 150,000 worth of trauma as well as an added 150,000 worth of life just to make your your policy cheaper. That's it. It's not it's not that much at all. And I typically say as well that if you have yeah. It's $13.16 a week. That if you have the cash flow, it is one of those policies we see claimed on the most because you don't have to prove that you're unable to go back to work. If you just get a diagnosis that's on there, you will get paid out, and it's tax free. So it is a really good policy to have. But usually for people, the sticky point is having the cash flow because you can't pay for it out of the. But yes. Yes, sir. Mhmm. What was that? Sorry. Yep. Yep. Perfect. Now I know you have to go, so I won't go through the rest with you. Have a read over it. I know we've spoke kind of about the other bits and pieces. If you have any questions in regards to any any of the rest, just let me know. Otherwise, from here, if you do, you know, decide that you would like to go ahead with the change, so to consolidate, update your investment, and apply for the insurances, And there is absolutely no changes in regards to the fee. So you're not paying any more through to do the the change. It is all part of the advice service fee, which is that 1.1 form due graduation. There is no increases or anything like that. It stays exactly the same. It's just part of the service. Yeah. And that's, again, if we do this a couple of times or when your situation change, again, there is no additional fees or charges. It's all part of the ongoing advice Perfect. I do wanna mention one last thing, which is just your Zurich premium. It is outlined on the remuneration section. That is not you paying that, though. It is Zurich paying us. And, again, it's exactly the same breakdown split with all the insurers out there and for every single adviser, so it doesn't pay us in any way. But for compliance purposes, we have to disclose it so you are fully aware of everything. But if you see it, that is not you paying those insurances, that is you're paying us. Does that make sense, Javier? Yeah. Great. Yes. I can just get the oh, yes. Yep. Yep. I was gonna say, I can get them to email you, but that doesn't really that doesn't really work. Yeah. Do that. Would you like us to send it to you in an email as well if it's easier to to download and print it? Yes? Hello? Yeah. No. That is no problem. I will get the the team through email you or, actually, I'll just do because most of them have left for the day. I'll just send you an email shortly with the attachment, and then you can print it and have a read over it. It is still valid for a a bit of time as well. So you do have about thirty days or so to have a read over it and, you know, decide what you would like to do, so no rush. If you have any questions when you print it out, though, that we didn't have a chance to go through today, just send me an email or or give the office a call, and we can always book you in for a bit of a follow-up to to go through that for you. Okay. No worries. Thank you so much for your time this afternoon, Xavier. And anything you need, just let me know. And I hope everything goes well, otherwise, for you, and I look forward to hearing from you soon again. No problem. We'll speak soon. 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afternoon, Xavier. It's Veronica. How are you? Yeah. Good.\n\nThanks for calling me back. No. No. That's alright. I had you booked in today just to kinda obviously go through and finalizing and consolidating everything for you now and everything is sorted with your me and everything.\n\nDo you still have time to go through that? Yep. That's fine. I can do it in that time frame for you. Yeah.\n\nNo. Now I do know as well that my colleague Jacob mentioned that you and Natalie are separating. Yep. So I'm obviously sorry sorry to hear that. And I guess moving forward just for your reference as well.\n\nSo just to make sure there's no conflict, I won't be able to look after both of you. So if we're doing, you know, advice today and you are happy with that and everything, then I can keep servicing you. That's no problem. And if Natalie will just have to speak to one of my colleague just to keep it completely separate because otherwise, I can't do, obviously, best interest for both of you, if that makes sense. Yep.\n\nYep. Perfect. Now if anything has changed in terms of your goals and everything like that as we're going through things, just let me know, especially with the insurances. Now when it comes to the insurances as well, it's always I say it's always better to apply for a little bit more as well if if that, you know, the mortgage and stuff will change because it's super easy to reduce it. Because the insurer's taking on less risk, it's just a quick form to reduce it.\n\nIt is harder to to increase it. So if anything has changed in terms of what you want yep. Yep. Okay. So we'll leave it for now.\n\nYeah. And and that's easy because then it's like if you do have less, obviously, debt moving forward, you do have more cover if something were to happen. And when things are a bit, you know, more settled for you, we can always reduce the cover if you feel like you don't need as much anymore. That's very easy. Does that make sense?\n\nExactly. Yes. Now I have just sent you an email with the recommendation to go through. Do you have access to your emails at the moment or not really right now? That's okay.\n\nYeah. If you can, that would be good. But if not, I can always run it through with you. And then if it's easier for you to do it later, you can always have a read over it when you have a bit more time and access through it. It's completely up to you.\n\nYep. I'll I'll call you back. Yep. K. Perfect.\n\nSo we have changed the software a little bit, so it might look a bit different. But in the email, if you click on the link where it says sign out, it will get you to open the document, but they won't get you to sign anything right away. Before you click on the link, you will see a couple of attachments as well. That's all your research materials. So I won't go through all of that with the Excel.\n\nOtherwise, I'll keep you here for a while. But that's essentially where all the research and everything is accumulated and the investments and stuff like that. That's where that all is. But if you can just click on the link for me, and it should open up where it says statement of advice. Yes.\n\nSorry. It'll get you to click on the link, but it won't ask you to sign anything first. It just allows you to open the document. Yes. That's it.\n\nPerfect. Now you are a little bit faint. So just if I can't hear you properly, just just let me know if I do talk over to you or anything like that. That is a little bit better. Thank you.\n\nNow like I said, I'll try to make it really quick for you. We have gone through kind of this before. And so a lot of it is just for for compliance. But, essentially, what we are looking at today is to get everything sorted and finalized and consolidated for you and get those insurances sorted. Now as per last time, always have to follow that this interest duty, which is outlined on page two, which is that we have to always act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice.\n\nOtherwise, I cannot actually make the recommendation. Does that make sense? Yep. Perfect. Now as you scroll through, again, I'll try to make it quick for you.\n\nLike I said, what we are looking at today is your superannuation, reviewing your superannuation to see if we can get it consolidated. I also looked at your investments to see because, obviously, things in the last twelve months have fluctuated a little bit, and there's been a lot going on in the world. So we've done I've done some recommendations and updating some of those investments for you, which I will go through. Otherwise, just trying to get those insurances sorted for you, which is essentially what we are looking at today. So if you could do me a favor and scroll down through page.\n\nLet me see here, 16 where it says see comparison. Just let me know when you can see that page. Page yeah. Is it the 16 or 17 if you account the cover page, but it should say fee comparison table. Yep.\n\nYou can see that. Now I have researched both your superannuation, so both Basque and Hub twenty four and also other providers. Again, just to make sure Hub twenty four is still going to be the best option for you because there are always, you know, new products and features that do come out. So that's not to say it's always going to be, so that is important for us to keep researching. But from all of that, Hub twenty four still very much is the best recommendation when it comes through, you know, the fees, the investment choices in comparison to a lot of their similar options.\n\nSo I have recommended that you stay in hub twenty four. Now I did consider just keeping you in Basque and rolling over to Basque if that was going to be better for you. But because of the limitation on the investment option in Basque, I couldn't achieve the same investment return as I can in Hub twenty four. So I have recommended that we completely consolidate everything into Hub twenty four to make it nice and easy and also updating some of those investments. And by doing it, you can see that the total cost has actually been reduced.\n\nSo even though from an administration point of view, Bastia is a little bit cheaper than hub twenty four, by still making the changes to your $179 per year in just fees alone. That make sense so far? Yep. Basically, for what you what your goals are and what you are trying to achieve and trying to maximize that growth for you, yes. After doing the research, I couldn't achieve the same outcome in bus queue as I as I can in Hub twenty four.\n\nAnd basic so net contribution is how much super you get per year from your employer after tax. So the tax is 15%, but, yes, the net contributions is your employer contributions after tax that they pay. Yep. Now this here as well also includes the insurance premium, which I will go through the new policy for you. I have been able to do so.\n\nWhen you are swapping and selling some investments, there are sometimes capital gains tax associated with it. But the way that we have swapped your investments, there is no trigger in capital gains tax, which is great. Now when it comes to the performance, so the difference between them, you can see there at the bottom, it says a five year rolling average. So the the kind of updated recommended portfolio in hub '24. And because, also, you don't have the plus q anymore, and that had underperformed a little bit.\n\nThe the new recommended portfolio consolidated has performed a little bit better when we are looking at that five year rolling average time frame. But what I have also done on the following page, the page 17 or 18, you can see a twelve month, three year, and five year as well. Can you see that? Yep. Exactly.\n\nJust to show you a bit more of that the recommended across both the twelve months, the three years, and five years has kind of outperformed in all categories as well, which which is good, and it's a little bit cheaper. In ten years? Exactly. So by making the change. That is assuming everything stays the same.\n\nSo your contribution stays the same. If you get a pay rise and you earn more, then your employer is gonna put more in, which is gonna compound. But then, also, there is no, obviously, guarantee when it comes to the performances. We can't guarantee anything. But that is why we use a five year rolling average when we calculate the projection to give you a bit more, you know, certainty over a a longer period of time of what actually happened.\n\nThen let's say if I used a three year, as you can see, it has performed a lot better, but that's only a three year time frame. So using that five year gives us a little bit more certainty of how the portfolio has performed, but then also the market as well. Does that make sense? Yeah. No.\n\nNo. No. Definitely not. So if you want it through salary sacrifice, you could literally just let either you can go directly to employer because they set it up for you and say, hey. I wanna put in x amount per week or fortnightly or monthly depending on how you get paid, and they will do that for you.\n\nYou can always just send me an email otherwise of how much you are looking at doing. I would say that's the better way just so that I can run the numbers for you. Because there is a cap space on how much you can put in to get the tax effective, which is 30,000 per financial year. If you exceed that, you're not gonna have the same tax benefit, and you also have to pay a little bit more. So I would say it's always better if if you know how much you want to do, Email me and say, hey.\n\nI would like to put in $100 a week, a $100 a month, or whatever it might be, and then I can send you do the math for you just to make sure you stay under the contribution cap. And then I can draft a letter, and then you can just forward out to your employer to say that you would like to start salary sacrificing, you know, assuming you see under the cap. And in that email, I can always put as well how much that changes your take home pay as well as your tax savings to make it easy. Yeah. Probably a long winded answer, but, yes, we can definitely help that.\n\nYep. We can reassess. Yep. That sounds good. And you can just even email me or call and say, hi.\n\nWe like to look at reassessing that now. And you can like I said, you can either just email me and say, hey. This is how much I'm looking at, or you can give me a call and we can talk through, you know, different options and figures and stuff for you. But I'll make a little note that it is something we wanna look at, you know, in in the near future. And, obviously, if yeah.\n\nYes. No. We're not doing that. Yep. We're not doing that.\n\nYep. I know that was and, also, I'll make a note to the team through like, on Hub twenty four. So we don't have family linking. So, obviously, you can use the information and stuff like that. So that's all been sorted for you as well.\n\nAnd I've taken off the eTPA on the account that you guys can call up and ask each other's behalf as well. So that's taken off. So it's completely separated. Yep. No.\n\nThat's okay. Yeah. No. Good. No.\n\nDefinitely. As soon as Jacob told me that. And, usually, with the contributions playing because you kind of do it, like, as a as a lump sum throughout as well, it's something we would even reassess and confirm with you before doing it because you can do it at different times. But, no, we haven't done that. Yeah.\n\nSorry. That's all that's all with you, and we don't we've canceled that moving forward as well. I don't think I'll triple check, but I don't think we actually did much of it at all, if any, because when how it works is that you can do it in a lump sum before the end of the financial year. So that's typically when we would do a bit of a lump sum before the end of the financial year. And because that hasn't happened yet, there was a reminder for my colleague, Jack, who I think you've spoken with a few times in regards to insurances to to reach out and do that transfer for you in a month or so.\n\nBut because, obviously, your situation has changed, I've canceled that, and we haven't actually processed it yet, which is good. Yeah. I know. Yeah. Yeah.\n\nDo you have a, like, a good lawyer and stuff that you you are working with or that's helping you with anything? Okay. Yeah. Yeah. Yep.\n\nYeah. Yeah. Yeah. Yeah. And that's kind of you as well to be like, okay.\n\nWell, while you were off work and that's often what I'm hearing from from people as well. It's like, well, while you were off work looking after our baby and I was working, that's fair. But before then yeah. I'll leave that to to you guys, but I can see your reasoning behind behind that. Yeah.\n\nYeah. Let me know as well if there's any, you know, drastic changes or anything, but we will get notified if there is a request or, like, a rollover or anything like that if it comes to it later. So just kind of keep me in the loop if, you know, there is anything that does change with your super as well. Perfect. Now I know you only have about a couple more minutes.\n\nSo before I kind of jump into insurances quickly, do you have any questions in regards to, you know, the super or anything like that, or it's, you know, pretty straightforward? So that's also why you speak to us so you don't have to worry about it. Yeah. Yeah. Yeah.\n\nAnd and that's how it is because it's like it takes you don't have to worry about it, and we'll obviously do annual reviews every twelve months. If you want more catch ups to see if you want more, we can do it six monthly or or quarterly as well. It's completely up to how much contact you would want. And we always give you updates on, you know, what's happening, keeping a look at even for, like, the newsletters and stuff, which sometimes gives a a good update of what is going on. But, otherwise, our job is literally through, you know, manage and look after your superannuation, and we always have to, you know, act in your best interest when we do anything.\n\nAnd we can't just go ahead and make changes without your approval or anything like that. But, obviously, it's it's our job through you to do all the research and make sure that we have you in the best option and position for your retirement. So that is not something you have to worry about. Yes. Yes.\n\nYes. I did look at that as part of the research for you, which is the the SMA, so a self managed account, which we recently launched with BlackRock. So I consider that as part of the research for you. And at the moment, when I did all the numbers and all the research, the portfolio in Hub 24 that I have recommended has performed a little bit better historically than the SMA currently, and it's also cheaper for you. So the SMA was a little bit more expensive and hadn't performed as well up to this point.\n\nThat's not so, therefore, I didn't recommend it because I couldn't justify that that was going to be better for you than the recommendation I have made. That's not to say that things might change, and we might be able to move that through the SMA because the the positive thing with the SMA is that we can very quickly make those changes. We still research and do those changes for you anyway. It would just mean that I would run through the changes with you, and you would assign a document to say that you are happy with the change, and then I can go ahead and make it. That's basically the difference.\n\nYeah. But, yes, it's something we're always reviewing. Now I know you only have a couple more minutes, so I will leave leave the superside for you. Investments, when you have a look at it, which is paid to 19, I have made a couple of changes in regards to the investment. Nothing drastic just to improve the returns and the the fees for you a little bit.\n\nIt is still very diversified, and the philosophy and everything stays the same. It is literally just swapping some that wasn't performing as well, the true and better option. If it is something you wanna go through in more detail with me later, just let me know. I'm more than happy to do so. But, otherwise, I have sent you investment links so you can have a look at it as well because I know you don't have too much more time with me.\n\nUnless we contact you to say that, hey. We're doing research, and we foresee this investment changing, then I'll contact you and say, hey. I would like to look at swapping, you know, let's say you have one in Japan. Let's say we foresee something happening in Japan and that's not going to do well, I will then contact you and say, hey. I would like to look at changing this investment, you know, based on the research and everything that we do, and then we'll obviously do those changes throughout the year.\n\nBut if there's no, you know, drastic changes or anything, and lot lot of it is also build up for long term growth. So it can, you know, withstand those short term fluctuations and cyclical trends in the market. And then, yes, otherwise, things will stay until next annual review or unless you call me and say that you wanna change anything or review anything. Yep. Now with your insurances, I do quickly wanna run through that with you, which is page 21.\n\nI'll tryna be quick because we have gone through most of how the insurance functions and everything like that last time, but I have actually recommended a new insurer. So same amount. So page 21, same million dollar life and TTD. Like I said, once everything gets settled, if you feel like you don't need as much anymore, we can easily reduce it, which will mean the premium gets cheaper. But then at least in the meantime, you do have, you know, a lot of especially that TCD.\n\nBecause if something were to happen to you, you will need potentially a bit more of that income replacement to help you get through as well. Correct. Yes. And that is for all three. Yep.\n\nSorry. What was that, Xavier? Yeah. And especially, for the level of cover. I because you're quite young, still The insurance point of you usually, the older you get, the more expensive they get because you can have, you know, more health issues and stuff like that.\n\nSo for a million dollar worth of cover for life and TPD as well as an income protection, and the income protection, because your income is quite high, it will pay pay you that monthly benefit amount of 9,917 per month. I've also added a benefit that if you are on claim, you will continue to get contributions added to your superannuation even though you will not be working for the duration of the claim. So does that make sense? Yep. Perfect.\n\nThirty day waiting period, five year benefit periods are similar to last time. The the added kind of benefit with Zurich is that they pay fifteen days in arrears. There's only two providers who do that, which is Zurich on one path, every single else through thirty days in arrears, which will mean that you'll get to claim quicker on Zurich policy. If something were to happen, you'll be able to get that benefit paid to you quicker than with other providers, which is good. And they just do that built in.\n\nYeah. Perfect. Now when you read through the document, when you have some time, there are a bit more information in regards to the policy, all the advantages. In regards to it, I've also included a PDF. So everything you need to know about your Zurich insurances there for you.\n\nIf you have any questions, let me know. Otherwise, in terms of inclusions and features, it's very similar to the other provider that I spoke to you about last time. But when I run the numbers this time, it still came out a little bit more competitive in price as well as still having the the same features. So that's really good. Made it a little bit cheaper.\n\nAnd I do wanna just yeah. So income protection is if you're unable to work temporarily. So, yes, trauma, which is on the page 22, I have recommended the trauma for you again, at a 150,000. Now that is a separate policy. The trauma is if you suffer any of those traumatic events, like cancer, stroke, heart attack, neurological condition, that is not dependent on you working at all.\n\nSo you could still be working and earning an income if you get a diagnosis. That's when you will get paid the 150,000 completely tax free to your back pocket. So this policy is out of pocket. So the monthly premium is $52.65. So, obviously, have a think about cash flow and stuff like that.\n\nAgain, if you say, okay. I'll I'll happy to start with the trauma and start with everything, and something changes with your cash flow when you have, you know, a better understanding of rental expenses or anything like that and you go, no. I I don't wanna pay for out of pocket anymore. We can just cancel it. It's really easy to cancel if you change your mind.\n\nBut, again, obviously, I'll let you think about it. But it's $53.65 per month, and that gives you a 150,000 worth of trauma as well as an added 150,000 worth of life just to make your your policy cheaper. That's it. It's not it's not that much at all. And I typically say as well that if you have yeah.\n\nIt's $13.16 a week. That if you have the cash flow, it is one of those policies we see claimed on the most because you don't have to prove that you're unable to go back to work. If you just get a diagnosis that's on there, you will get paid out, and it's tax free. So it is a really good policy to have. But usually for people, the sticky point is having the cash flow because you can't pay for it out of the.\n\nBut yes. Yes, sir. Mhmm. What was that? Sorry.\n\nYep. Yep. Perfect. Now I know you have to go, so I won't go through the rest with you. Have a read over it.\n\nI know we've spoke kind of about the other bits and pieces. If you have any questions in regards to any any of the rest, just let me know. Otherwise, from here, if you do, you know, decide that you would like to go ahead with the change, so to consolidate, update your investment, and apply for the insurances, And there is absolutely no changes in regards to the fee. So you're not paying any more through to do the the change. It is all part of the advice service fee, which is that 1.1 form due graduation.\n\nThere is no increases or anything like that. It stays exactly the same. It's just part of the service. Yeah. And that's, again, if we do this a couple of times or when your situation change, again, there is no additional fees or charges.\n\nIt's all part of the ongoing advice Perfect. I do wanna mention one last thing, which is just your Zurich premium. It is outlined on the remuneration section. That is not you paying that, though. It is Zurich paying us.\n\nAnd, again, it's exactly the same breakdown split with all the insurers out there and for every single adviser, so it doesn't pay us in any way. But for compliance purposes, we have to disclose it so you are fully aware of everything. But if you see it, that is not you paying those insurances, that is you're paying us. Does that make sense, Javier? Yeah.\n\nGreat. Yes. I can just get the oh, yes. Yep. Yep.\n\nI was gonna say, I can get them to email you, but that doesn't really that doesn't really work. Yeah. Do that. Would you like us to send it to you in an email as well if it's easier to to download and print it? Yes?\n\nHello? Yeah. No. That is no problem. I will get the the team through email you or, actually, I'll just do because most of them have left for the day.\n\nI'll just send you an email shortly with the attachment, and then you can print it and have a read over it. It is still valid for a a bit of time as well. So you do have about thirty days or so to have a read over it and, you know, decide what you would like to do, so no rush. If you have any questions when you print it out, though, that we didn't have a chance to go through today, just send me an email or or give the office a call, and we can always book you in for a bit of a follow-up to to go through that for you. Okay.\n\nNo worries. Thank you so much for your time this afternoon, Xavier. And anything you need, just let me know. And I hope everything goes well, otherwise, for you, and I look forward to hearing from you soon again. No problem.\n\nWe'll speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Xavier.","start":1.04,"end":2.1599998,"sentiment":"positive","sentiment_score":0.3863766094048818},{"text":"It's Veronica.","start":2.1599998,"end":2.8999999,"sentiment":"neutral","sentiment_score":0.25006894767284393},{"text":"How are you?","start":2.96,"end":3.78,"sentiment":"neutral","sentiment_score":0.2623547613620758},{"text":"Yeah.","start":6.16,"end":6.56,"sentiment":"neutral","sentiment_score":0.24337449669837952},{"text":"Good.","start":6.56,"end":6.96,"sentiment":"positive","sentiment_score":0.5042971968650818}],"sentiment":"neutral","sentiment_score":0.3194003701210022,"num_words":10,"start":1.04,"end":6.96},{"sentences":[{"text":"Thanks for calling me back.","start":6.96,"end":8.5,"sentiment":"positive","sentiment_score":0.5798083066940307},{"text":"No.","start":12.639999,"end":13.139999,"sentiment":"neutral","sentiment_score":-0.06802914291620255},{"text":"No.","start":13.594999,"end":13.835,"sentiment":"neutral","sentiment_score":-0.06824861466884613},{"text":"That's alright.","start":13.835,"end":14.815,"sentiment":"neutral","sentiment_score":0.019268034026026726},{"text":"I had you booked in today just to kinda obviously go through and finalizing and consolidating everything for you now and everything is sorted with your me and everything.","start":15.914999,"end":26.414999,"sentiment":"neutral","sentiment_score":0.11485053290580881}],"sentiment":"neutral","sentiment_score":0.16136750784751616,"num_words":38,"start":6.96,"end":26.414999},{"sentences":[{"text":"Do you still have time to go through that?","start":27.8,"end":30.22,"sentiment":"neutral","sentiment_score":0.02555414827333556},{"text":"Yep.","start":33.88,"end":34.12,"sentiment":"neutral","sentiment_score":0.09557732194662094},{"text":"That's fine.","start":34.12,"end":34.68,"sentiment":"neutral","sentiment_score":0.22270750254392624},{"text":"I can do it in that time frame for you.","start":34.68,"end":36.62,"sentiment":"neutral","sentiment_score":0.2283739447593689},{"text":"Yeah.","start":39.255,"end":39.755,"sentiment":"neutral","sentiment_score":0.012054329738020895}],"sentiment":"neutral","sentiment_score":0.13333797560113927,"num_words":23,"start":27.8,"end":39.755},{"sentences":[{"text":"No.","start":40.215,"end":40.715,"sentiment":"neutral","sentiment_score":-0.0730811059474945},{"text":"Now I do know as well that my colleague Jacob mentioned that you and Natalie are separating.","start":40.934998,"end":47.035,"sentiment":"neutral","sentiment_score":-0.09835272107054205},{"text":"Yep.","start":49.254997,"end":49.754997,"sentiment":"neutral","sentiment_score":-0.0078800730407238},{"text":"So I'm obviously sorry sorry to hear that.","start":51.27,"end":53.67,"sentiment":"neutral","sentiment_score":-0.15898425737395883},{"text":"And I guess moving forward just for your reference as well.","start":53.67,"end":58.07,"sentiment":"neutral","sentiment_score":-0.011116177520968697}],"sentiment":"neutral","sentiment_score":-0.08281866970815156,"num_words":38,"start":40.215,"end":58.07},{"sentences":[{"text":"So just to make sure there's no conflict, I won't be able to look after both of you.","start":58.07,"end":65.19,"sentiment":"neutral","sentiment_score":-0.07625029132597977},{"text":"So if we're doing, you know, advice today and you are happy with that and everything, then I can keep servicing you.","start":65.19,"end":70.865,"sentiment":"neutral","sentiment_score":0.13556409762664276},{"text":"That's no problem.","start":70.865,"end":71.845,"sentiment":"neutral","sentiment_score":0.14155391107002893},{"text":"And if Natalie will just have to speak to one of my colleague just to keep it completely separate because otherwise, I can't do, obviously, best interest for both of you, if that makes sense.","start":72.705,"end":82.565,"sentiment":"neutral","sentiment_score":-0.042461748740502764},{"text":"Yep.","start":84.71,"end":84.95,"sentiment":"neutral","sentiment_score":0.08971824496984482}],"sentiment":"neutral","sentiment_score":0.008077514888365058,"num_words":79,"start":58.07,"end":84.95},{"sentences":[{"text":"Yep.","start":84.95,"end":85.45,"sentiment":"neutral","sentiment_score":0.1566430628299713},{"text":"Perfect.","start":85.51,"end":86.01,"sentiment":"neutral","sentiment_score":0.3277844488620758},{"text":"Now if anything has changed in terms of your goals and everything like that as we're going through things, just let me know, especially with the insurances.","start":86.79,"end":95.61,"sentiment":"neutral","sentiment_score":0.03862615981725631},{"text":"Now when it comes to the insurances as well, it's always I say it's always better to apply for a little bit more as well if if that, you know, the mortgage and stuff will change because it's super easy to reduce it.","start":96.395004,"end":107.535,"sentiment":"neutral","sentiment_score":0.018477404441381264},{"text":"Because the insurer's taking on less risk, it's just a quick form to reduce it.","start":107.995,"end":111.935005,"sentiment":"neutral","sentiment_score":-0.018122377122441927}],"sentiment":"neutral","sentiment_score":0.023563523688514172,"num_words":87,"start":84.95,"end":111.935005},{"sentences":[{"text":"It is harder to to increase it.","start":112.15,"end":113.99,"sentiment":"neutral","sentiment_score":-0.15681049227714539},{"text":"So if anything has changed in terms of what you want yep.","start":113.99,"end":119.53,"sentiment":"neutral","sentiment_score":-0.09412771898011367},{"text":"Yep.","start":123.75,"end":124.229996,"sentiment":"neutral","sentiment_score":-0.007753204088658094},{"text":"Okay.","start":124.229996,"end":124.729996,"sentiment":"neutral","sentiment_score":-0.03840413317084312},{"text":"So we'll leave it for now.","start":124.78999,"end":127.049995,"sentiment":"neutral","sentiment_score":0.14064800615111986}],"sentiment":"neutral","sentiment_score":-0.05294353237237643,"num_words":27,"start":112.15,"end":127.049995},{"sentences":[{"text":"Yeah.","start":129.935,"end":130.435,"sentiment":"neutral","sentiment_score":0.29267382621765137},{"text":"And and that's easy because then it's like if you do have less, obviously, debt moving forward, you do have more cover if something were to happen.","start":130.495,"end":138.995,"sentiment":"positive","sentiment_score":0.47512080934312606},{"text":"And when things are a bit, you know, more settled for you, we can always reduce the cover if you feel like you don't need as much anymore.","start":139.87,"end":145.65,"sentiment":"neutral","sentiment_score":0.3199078376804079},{"text":"That's very easy.","start":145.87,"end":146.93,"sentiment":"positive","sentiment_score":0.6243250568707784},{"text":"Does that make sense?","start":147.79,"end":148.93,"sentiment":"positive","sentiment_score":0.3352898210287094}],"sentiment":"positive","sentiment_score":0.40146808870255,"num_words":63,"start":129.935,"end":148.93},{"sentences":[{"text":"Exactly.","start":151.72499,"end":152.22499,"sentiment":"neutral","sentiment_score":0.3321372866630554},{"text":"Yes.","start":152.36499,"end":152.86499,"sentiment":"neutral","sentiment_score":0.2953703701496124},{"text":"Now I have just sent you an email with the recommendation to go through.","start":153.805,"end":159.185,"sentiment":"neutral","sentiment_score":0.3011430448719433},{"text":"Do you have access to your emails at the moment or not really right now?","start":159.405,"end":162.94499,"sentiment":"neutral","sentiment_score":0.030630492915709812},{"text":"That's okay.","start":165.18,"end":166.0,"sentiment":"neutral","sentiment_score":0.02578702289611101}],"sentiment":"neutral","sentiment_score":0.16225884013781042,"num_words":33,"start":151.72499,"end":166.0},{"sentences":[{"text":"Yeah.","start":168.45999,"end":168.95999,"sentiment":"neutral","sentiment_score":0.11237795650959016},{"text":"If you can, that would be good.","start":169.18,"end":171.26,"sentiment":"neutral","sentiment_score":0.23096076931272233},{"text":"But if not, I can always run it through with you.","start":171.26,"end":173.73999,"sentiment":"neutral","sentiment_score":0.13298070363023065},{"text":"And then if it's easier for you to do it later, you can always have a read over it when you have a bit more time and access through it.","start":173.73999,"end":181.235,"sentiment":"neutral","sentiment_score":0.23863833993673325},{"text":"It's completely up to you.","start":181.235,"end":182.775,"sentiment":"neutral","sentiment_score":0.2765005350112915}],"sentiment":"neutral","sentiment_score":0.21728785101462295,"num_words":54,"start":168.45999,"end":182.775},{"sentences":[{"text":"Yep.","start":186.83499,"end":187.33499,"sentiment":"neutral","sentiment_score":0.05789312347769737},{"text":"I'll I'll call you back.","start":188.83499,"end":190.215,"sentiment":"neutral","sentiment_score":0.03731527253985405},{"text":"Yep.","start":196.84,"end":197.34,"sentiment":"neutral","sentiment_score":0.09659470617771149},{"text":"K.","start":197.72,"end":198.12,"sentiment":"neutral","sentiment_score":0.14186611771583557},{"text":"Perfect.","start":198.12,"end":198.62,"sentiment":"positive","sentiment_score":0.3414457440376282}],"sentiment":"neutral","sentiment_score":0.09159733934534921,"num_words":9,"start":186.83499,"end":198.62},{"sentences":[{"text":"So we have changed the software a little bit, so it might look a bit different.","start":198.68,"end":203.23999,"sentiment":"neutral","sentiment_score":0.08525398233905435},{"text":"But in the email, if you click on the link where it says sign out, it will get you to open the document, but they won't get you to sign anything right away.","start":203.23999,"end":211.845,"sentiment":"neutral","sentiment_score":0.048177669953667755},{"text":"Before you click on the link, you will see a couple of attachments as well.","start":213.58499,"end":216.86499,"sentiment":"neutral","sentiment_score":0.06987204154332478},{"text":"That's all your research materials.","start":216.86499,"end":218.64499,"sentiment":"neutral","sentiment_score":0.10082727074623107},{"text":"So I won't go through all of that with the Excel.","start":218.86499,"end":220.90001,"sentiment":"neutral","sentiment_score":0.05595429986715317}],"sentiment":"neutral","sentiment_score":0.06402051376644521,"num_words":80,"start":198.68,"end":220.90001},{"sentences":[{"text":"Otherwise, I'll keep you here for a while.","start":220.90001,"end":222.84,"sentiment":"neutral","sentiment_score":0.16614314541220665},{"text":"But that's essentially where all the research and everything is accumulated and the investments and stuff like that.","start":222.98,"end":228.6,"sentiment":"neutral","sentiment_score":0.1638762483166324},{"text":"That's where that all is.","start":228.74,"end":230.2,"sentiment":"neutral","sentiment_score":0.12687912955880165},{"text":"But if you can just click on the link for me, and it should open up where it says statement of advice.","start":230.42,"end":235.72499,"sentiment":"neutral","sentiment_score":0.044253005222840744},{"text":"Yes.","start":238.905,"end":239.405,"sentiment":"neutral","sentiment_score":0.050100892782211304}],"sentiment":"neutral","sentiment_score":0.10994407941621763,"num_words":54,"start":220.90001,"end":239.405},{"sentences":[{"text":"Sorry.","start":239.545,"end":240.045,"sentiment":"neutral","sentiment_score":0.03793350234627724},{"text":"It'll get you to click on the link, but it won't ask you to sign anything first.","start":240.185,"end":244.745,"sentiment":"neutral","sentiment_score":0.053096295060480345},{"text":"It just allows you to open the document.","start":244.745,"end":246.765,"sentiment":"neutral","sentiment_score":0.09730243496596813},{"text":"Yes.","start":262.57498,"end":263.07498,"sentiment":"neutral","sentiment_score":0.0747160091996193},{"text":"That's it.","start":263.135,"end":263.695,"sentiment":"neutral","sentiment_score":0.10670702904462814}],"sentiment":"neutral","sentiment_score":0.06921103673762288,"num_words":29,"start":239.545,"end":263.695},{"sentences":[{"text":"Perfect.","start":263.695,"end":264.195,"sentiment":"positive","sentiment_score":0.443293571472168},{"text":"Now you are a little bit faint.","start":264.895,"end":266.595,"sentiment":"neutral","sentiment_score":-0.08819285993065153},{"text":"So just if I can't hear you properly, just just let me know if I do talk over to you or anything like that.","start":266.735,"end":274.755,"sentiment":"neutral","sentiment_score":-0.08406369745110472},{"text":"That is a little bit better.","start":279.09,"end":280.21,"sentiment":"neutral","sentiment_score":0.10443421329061191},{"text":"Thank you.","start":280.21,"end":280.94998,"sentiment":"positive","sentiment_score":0.4990486204624176}],"sentiment":"neutral","sentiment_score":-0.014172066655009984,"num_words":40,"start":263.695,"end":280.94998},{"sentences":[{"text":"Now like I said, I'll try to make it really quick for you.","start":282.37,"end":284.69,"sentiment":"neutral","sentiment_score":0.3190245834680704},{"text":"We have gone through kind of this before.","start":284.69,"end":286.62997,"sentiment":"neutral","sentiment_score":0.18504341319203377},{"text":"And so a lot of it is just for for compliance.","start":286.975,"end":289.23502,"sentiment":"neutral","sentiment_score":0.10455999726598914},{"text":"But, essentially, what we are looking at today is to get everything sorted and finalized and consolidated for you and get those insurances sorted.","start":289.375,"end":297.95502,"sentiment":"neutral","sentiment_score":0.22036741922299066},{"text":"Now as per last time, always have to follow that this interest duty, which is outlined on page two, which is that we have to always act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice.","start":299.05002,"end":315.495,"sentiment":"neutral","sentiment_score":0.15589330603296941}],"sentiment":"neutral","sentiment_score":0.18678793366308566,"num_words":108,"start":282.37,"end":315.495},{"sentences":[{"text":"Otherwise, I cannot actually make the recommendation.","start":315.635,"end":317.815,"sentiment":"neutral","sentiment_score":-0.18233165570667811},{"text":"Does that make sense?","start":318.115,"end":319.255,"sentiment":"neutral","sentiment_score":-0.026598913595080376},{"text":"Yep.","start":324.05002,"end":324.53,"sentiment":"neutral","sentiment_score":0.17792609333992004},{"text":"Perfect.","start":324.53,"end":325.03,"sentiment":"positive","sentiment_score":0.34764406085014343},{"text":"Now as you scroll through, again, I'll try to make it quick for you.","start":325.49002,"end":330.77002,"sentiment":"neutral","sentiment_score":0.2530221843293735}],"sentiment":"neutral","sentiment_score":0.09945049964719349,"num_words":27,"start":315.635,"end":330.77002},{"sentences":[{"text":"Like I said, what we are looking at today is your superannuation, reviewing your superannuation to see if we can get it consolidated.","start":330.77002,"end":337.51,"sentiment":"neutral","sentiment_score":0.17347604813783066},{"text":"I also looked at your investments to see because, obviously, things in the last twelve months have fluctuated a little bit, and there's been a lot going on in the world.","start":338.10498,"end":347.705,"sentiment":"neutral","sentiment_score":0.07488356206205583},{"text":"So we've done I've done some recommendations and updating some of those investments for you, which I will go through.","start":347.705,"end":353.565,"sentiment":"neutral","sentiment_score":0.19791408590972423},{"text":"Otherwise, just trying to get those insurances sorted for you, which is essentially what we are looking at today.","start":354.16,"end":361.46,"sentiment":"neutral","sentiment_score":0.2192368546598836},{"text":"So if you could do me a favor and scroll down through page.","start":361.84,"end":367.06,"sentiment":"neutral","sentiment_score":0.11363922919218357}],"sentiment":"neutral","sentiment_score":0.1501172779936273,"num_words":106,"start":330.77002,"end":367.06},{"sentences":[{"text":"Let me see here, 16 where it says see comparison.","start":367.88498,"end":375.34497,"sentiment":"neutral","sentiment_score":0.06251954659819603},{"text":"Just let me know when you can see that page.","start":391.99503,"end":394.33502,"sentiment":"neutral","sentiment_score":0.0430117292329669},{"text":"Page yeah.","start":394.635,"end":395.83502,"sentiment":"neutral","sentiment_score":0.018453704193234444},{"text":"Is it the 16 or 17 if you account the cover page, but it should say fee comparison table.","start":395.83502,"end":401.855,"sentiment":"neutral","sentiment_score":0.02077699388916555},{"text":"Yep.","start":404.09,"end":404.49,"sentiment":"neutral","sentiment_score":0.1962313950061798}],"sentiment":"neutral","sentiment_score":0.04007653441901008,"num_words":42,"start":367.88498,"end":404.49},{"sentences":[{"text":"You can see that.","start":404.49,"end":405.55,"sentiment":"neutral","sentiment_score":0.19339176267385483},{"text":"Now I have researched both your superannuation, so both Basque and Hub twenty four and also other providers.","start":406.25,"end":413.38998,"sentiment":"neutral","sentiment_score":0.24180558820565543},{"text":"Again, just to make sure Hub twenty four is still going to be the best option for you because there are always, you know, new products and features that do come out.","start":413.53,"end":422.655,"sentiment":"positive","sentiment_score":0.3950373185798526},{"text":"So that's not to say it's always going to be, so that is important for us to keep researching.","start":422.655,"end":426.67502,"sentiment":"neutral","sentiment_score":0.1903967763248243},{"text":"But from all of that, Hub twenty four still very much is the best recommendation when it comes through, you know, the fees, the investment choices in comparison to a lot of their similar options.","start":427.295,"end":440.28,"sentiment":"positive","sentiment_score":0.4075649257217135}],"sentiment":"neutral","sentiment_score":0.33008863873503824,"num_words":108,"start":404.49,"end":440.28},{"sentences":[{"text":"So I have recommended that you stay in hub twenty four.","start":440.9,"end":444.68,"sentiment":"neutral","sentiment_score":0.32404379140246997},{"text":"Now I did consider just keeping you in Basque and rolling over to Basque if that was going to be better for you.","start":444.845,"end":451.825,"sentiment":"neutral","sentiment_score":0.18838136805140454},{"text":"But because of the limitation on the investment option in Basque, I couldn't achieve the same investment return as I can in Hub twenty four.","start":451.96503,"end":462.45,"sentiment":"neutral","sentiment_score":-0.17771145284175874},{"text":"So I have recommended that we completely consolidate everything into Hub twenty four to make it nice and easy and also updating some of those investments.","start":462.45,"end":473.91,"sentiment":"positive","sentiment_score":0.35704803151580006},{"text":"And by doing it, you can see that the total cost has actually been reduced.","start":474.45,"end":480.775,"sentiment":"positive","sentiment_score":0.5217108150323232}],"sentiment":"neutral","sentiment_score":0.20563377894461154,"num_words":100,"start":440.9,"end":480.775},{"sentences":[{"text":"So even though from an administration point of view, Bastia is a little bit cheaper than hub twenty four, by still making the changes to your $179 per year in just fees alone.","start":481.155,"end":505.02,"sentiment":"neutral","sentiment_score":0.24109003579977786},{"text":"That make sense so far?","start":506.335,"end":507.555,"sentiment":"neutral","sentiment_score":0.18327460885047914},{"text":"Yep.","start":512.415,"end":512.915,"sentiment":"neutral","sentiment_score":0.1656968891620636},{"text":"Basically, for what you what your goals are and what you are trying to achieve and trying to maximize that growth for you, yes.","start":516.65497,"end":524.04004,"sentiment":"positive","sentiment_score":0.42371605957547825},{"text":"After doing the research, I couldn't achieve the same outcome in bus queue as I as I can in Hub twenty four.","start":524.04004,"end":530.62006,"sentiment":"neutral","sentiment_score":-0.16245261342688042}],"sentiment":"neutral","sentiment_score":0.18392081234384985,"num_words":85,"start":481.155,"end":530.62006},{"sentences":[{"text":"And basic so net contribution is how much super you get per year from your employer after tax.","start":531.72003,"end":541.685,"sentiment":"neutral","sentiment_score":0.06619640957150194},{"text":"So the tax is 15%, but, yes, the net contributions is your employer contributions after tax that they pay.","start":542.305,"end":552.1,"sentiment":"neutral","sentiment_score":0.09588446703396346},{"text":"Yep.","start":552.96,"end":553.46,"sentiment":"neutral","sentiment_score":0.024331284686923027},{"text":"Now this here as well also includes the insurance premium, which I will go through the new policy for you.","start":553.92,"end":562.1,"sentiment":"neutral","sentiment_score":0.15624266788363456},{"text":"I have been able to do so.","start":563.305,"end":565.22504,"sentiment":"positive","sentiment_score":0.4285308080060141}],"sentiment":"neutral","sentiment_score":0.14095754683590853,"num_words":65,"start":531.72003,"end":565.22504},{"sentences":[{"text":"When you are swapping and selling some investments, there are sometimes capital gains tax associated with it.","start":565.22504,"end":571.565,"sentiment":"neutral","sentiment_score":0.110388923655538},{"text":"But the way that we have swapped your investments, there is no trigger in capital gains tax, which is great.","start":572.185,"end":577.885,"sentiment":"positive","sentiment_score":0.44631714895367625},{"text":"Now when it comes to the performance, so the difference between them, you can see there at the bottom, it says a five year rolling average.","start":579.92,"end":588.42,"sentiment":"neutral","sentiment_score":0.1934968170065146},{"text":"So the the kind of updated recommended portfolio in hub '24.","start":589.68,"end":594.505,"sentiment":"neutral","sentiment_score":0.18893116577105087},{"text":"And because, also, you don't have the plus q anymore, and that had underperformed a little bit.","start":594.645,"end":599.625,"sentiment":"neutral","sentiment_score":0.12102100713288083}],"sentiment":"neutral","sentiment_score":0.21944474580359982,"num_words":91,"start":565.22504,"end":599.625},{"sentences":[{"text":"The the new recommended portfolio consolidated has performed a little bit better when we are looking at that five year rolling average time frame.","start":600.165,"end":609.145,"sentiment":"neutral","sentiment_score":0.2881731043259303},{"text":"But what I have also done on the following page, the page 17 or 18, you can see a twelve month, three year, and five year as well.","start":609.68,"end":621.12,"sentiment":"neutral","sentiment_score":0.1517271367566926},{"text":"Can you see that?","start":621.12,"end":622.26,"sentiment":"neutral","sentiment_score":0.10279839672148228},{"text":"Yep.","start":624.875,"end":625.375,"sentiment":"neutral","sentiment_score":0.1589832901954651},{"text":"Exactly.","start":626.635,"end":627.135,"sentiment":"neutral","sentiment_score":0.2515448331832886}],"sentiment":"neutral","sentiment_score":0.20665924212542072,"num_words":58,"start":600.165,"end":627.135},{"sentences":[{"text":"Just to show you a bit more of that the recommended across both the twelve months, the three years, and five years has kind of outperformed in all categories as well, which which is good, and it's a little bit cheaper.","start":627.195,"end":641.48,"sentiment":"positive","sentiment_score":0.41163910525601083},{"text":"In ten years?","start":646.1,"end":647.16,"sentiment":"neutral","sentiment_score":-0.03151989790300528},{"text":"Exactly.","start":647.3,"end":647.8,"sentiment":"neutral","sentiment_score":0.041507720947265625},{"text":"So by making the change.","start":647.86,"end":649.56,"sentiment":"neutral","sentiment_score":0.09038135483860969},{"text":"That is assuming everything stays the same.","start":650.215,"end":653.175,"sentiment":"neutral","sentiment_score":0.1533138688121523}],"sentiment":"neutral","sentiment_score":0.32191675787040014,"num_words":57,"start":627.195,"end":653.175},{"sentences":[{"text":"So your contribution stays the same.","start":653.175,"end":655.09503,"sentiment":"neutral","sentiment_score":0.24103129158417383},{"text":"If you get a pay rise and you earn more, then your employer is gonna put more in, which is gonna compound.","start":655.09503,"end":661.915,"sentiment":"neutral","sentiment_score":0.19180140204050325},{"text":"But then, also, there is no, obviously, guarantee when it comes to the performances.","start":663.95996,"end":668.77997,"sentiment":"neutral","sentiment_score":-0.057356249008859904},{"text":"We can't guarantee anything.","start":669.0,"end":670.62,"sentiment":"neutral","sentiment_score":-0.10751915164291859},{"text":"But that is why we use a five year rolling average when we calculate the projection to give you a bit more, you know, certainty over a a longer period of time of what actually happened.","start":671.0,"end":682.05505,"sentiment":"neutral","sentiment_score":0.055962516305347286}],"sentiment":"neutral","sentiment_score":0.07862689132552321,"num_words":82,"start":653.175,"end":682.05505},{"sentences":[{"text":"Then let's say if I used a three year, as you can see, it has performed a lot better, but that's only a three year time frame.","start":682.755,"end":689.61,"sentiment":"neutral","sentiment_score":0.05141326067624269},{"text":"So using that five year gives us a little bit more certainty of how the portfolio has performed, but then also the market as well.","start":689.61,"end":697.55,"sentiment":"positive","sentiment_score":0.38091536283493044},{"text":"Does that make sense?","start":698.81,"end":699.95,"sentiment":"neutral","sentiment_score":0.2075766809284687},{"text":"Yeah.","start":701.625,"end":702.125,"sentiment":"neutral","sentiment_score":0.047922369092702866},{"text":"No.","start":707.545,"end":708.045,"sentiment":"neutral","sentiment_score":-0.10084600746631622}],"sentiment":"neutral","sentiment_score":0.20152457231848403,"num_words":58,"start":682.755,"end":708.045},{"sentences":[{"text":"No.","start":709.145,"end":709.545,"sentiment":"neutral","sentiment_score":-0.15277332067489624},{"text":"No.","start":709.545,"end":709.78503,"sentiment":"neutral","sentiment_score":-0.16213026642799375},{"text":"Definitely not.","start":709.78503,"end":710.66504,"sentiment":"neutral","sentiment_score":-0.15200389176607132},{"text":"So if you want it through salary sacrifice, you could literally just let either you can go directly to employer because they set it up for you and say, hey.","start":710.66504,"end":720.07,"sentiment":"neutral","sentiment_score":0.07330496174593766},{"text":"I wanna put in x amount per week or fortnightly or monthly depending on how you get paid, and they will do that for you.","start":720.07,"end":726.49005,"sentiment":"neutral","sentiment_score":0.10193499714136124}],"sentiment":"neutral","sentiment_score":0.06997648153012082,"num_words":59,"start":709.145,"end":726.49005},{"sentences":[{"text":"You can always just send me an email otherwise of how much you are looking at doing.","start":726.575,"end":730.815,"sentiment":"neutral","sentiment_score":0.1160321130472071},{"text":"I would say that's the better way just so that I can run the numbers for you.","start":730.815,"end":735.71497,"sentiment":"neutral","sentiment_score":0.2119273876442629},{"text":"Because there is a cap space on how much you can put in to get the tax effective, which is 30,000 per financial year.","start":736.015,"end":744.22,"sentiment":"neutral","sentiment_score":0.056199395951504506},{"text":"If you exceed that, you're not gonna have the same tax benefit, and you also have to pay a little bit more.","start":744.6,"end":749.34,"sentiment":"neutral","sentiment_score":-0.06290431642396883},{"text":"So I would say it's always better if if you know how much you want to do, Email me and say, hey.","start":749.48,"end":755.665,"sentiment":"neutral","sentiment_score":0.13550093583762646}],"sentiment":"neutral","sentiment_score":0.08354139844795652,"num_words":102,"start":726.575,"end":755.665},{"sentences":[{"text":"I would like to put in $100 a week, a $100 a month, or whatever it might be, and then I can send you do the math for you just to make sure you stay under the contribution cap.","start":755.665,"end":766.08496,"sentiment":"neutral","sentiment_score":0.16577417365251443},{"text":"And then I can draft a letter, and then you can just forward out to your employer to say that you would like to start salary sacrificing, you know, assuming you see under the cap.","start":766.305,"end":774.7,"sentiment":"neutral","sentiment_score":0.23489304270063127},{"text":"And in that email, I can always put as well how much that changes your take home pay as well as your tax savings to make it easy.","start":774.7,"end":782.64,"sentiment":"neutral","sentiment_score":0.2916520280497415},{"text":"Yeah.","start":785.40497,"end":785.805,"sentiment":"neutral","sentiment_score":0.137638658285141},{"text":"Probably a long winded answer, but, yes, we can definitely help that.","start":785.805,"end":789.745,"sentiment":"neutral","sentiment_score":0.22020807210355997}],"sentiment":"neutral","sentiment_score":0.2228942745729633,"num_words":115,"start":755.665,"end":789.745},{"sentences":[{"text":"Yep.","start":793.485,"end":793.985,"sentiment":"neutral","sentiment_score":0.08106912672519684},{"text":"We can reassess.","start":794.86,"end":795.68,"sentiment":"neutral","sentiment_score":0.07810766311983268},{"text":"Yep.","start":795.98004,"end":796.3,"sentiment":"neutral","sentiment_score":0.2791975736618042},{"text":"That sounds good.","start":796.3,"end":797.18,"sentiment":"positive","sentiment_score":0.5330206354459127},{"text":"And you can just even email me or call and say, hi.","start":797.18,"end":800.06,"sentiment":"neutral","sentiment_score":0.24492128690083823}],"sentiment":"neutral","sentiment_score":0.25663535194471476,"num_words":20,"start":793.485,"end":800.06},{"sentences":[{"text":"We like to look at reassessing that now.","start":800.06,"end":802.72003,"sentiment":"neutral","sentiment_score":0.24739275500178337},{"text":"And you can like I said, you can either just email me and say, hey.","start":803.10004,"end":805.18,"sentiment":"neutral","sentiment_score":0.1357032100359599},{"text":"This is how much I'm looking at, or you can give me a call and we can talk through, you know, different options and figures and stuff for you.","start":805.18,"end":811.635,"sentiment":"neutral","sentiment_score":0.1114589430648705},{"text":"But I'll make a little note that it is something we wanna look at, you know, in in the near future.","start":811.695,"end":816.595,"sentiment":"neutral","sentiment_score":0.18065687872114636},{"text":"And, obviously, if yeah.","start":818.33496,"end":819.95496,"sentiment":"neutral","sentiment_score":0.0170886036939919}],"sentiment":"neutral","sentiment_score":0.1442746546409734,"num_words":77,"start":800.06,"end":819.95496},{"sentences":[{"text":"Yes.","start":827.64996,"end":828.05,"sentiment":"neutral","sentiment_score":-0.11218352615833282},{"text":"No.","start":828.05,"end":828.29,"sentiment":"negative","sentiment_score":-0.4054538607597351},{"text":"We're not doing that.","start":828.29,"end":829.41,"sentiment":"negative","sentiment_score":-0.4882211685180664},{"text":"Yep.","start":829.41,"end":829.81,"sentiment":"neutral","sentiment_score":-0.2231506705284119},{"text":"We're not doing that.","start":829.81,"end":831.02997,"sentiment":"negative","sentiment_score":-0.406693235039711}],"sentiment":"negative","sentiment_score":-0.3927677883343263,"num_words":11,"start":827.64996,"end":831.02997},{"sentences":[{"text":"Yep.","start":831.25,"end":831.75,"sentiment":"neutral","sentiment_score":-0.051393162459135056},{"text":"I know that was and, also, I'll make a note to the team through like, on Hub twenty four.","start":832.37,"end":837.625,"sentiment":"neutral","sentiment_score":0.015620643567097815},{"text":"So we don't have family linking.","start":837.625,"end":839.885,"sentiment":"neutral","sentiment_score":-0.021697310730814934},{"text":"So, obviously, you can use the information and stuff like that.","start":840.265,"end":843.22504,"sentiment":"neutral","sentiment_score":0.08802595226602121},{"text":"So that's all been sorted for you as well.","start":843.22504,"end":846.36505,"sentiment":"neutral","sentiment_score":0.15551569933692613}],"sentiment":"neutral","sentiment_score":0.05398134717150875,"num_words":46,"start":831.25,"end":846.36505},{"sentences":[{"text":"And I've taken off the eTPA on the account that you guys can call up and ask each other's behalf as well.","start":846.825,"end":853.69995,"sentiment":"neutral","sentiment_score":-0.06565395133061842},{"text":"So that's taken off.","start":853.69995,"end":855.0,"sentiment":"neutral","sentiment_score":-0.15318956226110458},{"text":"So it's completely separated.","start":855.54,"end":857.72,"sentiment":"neutral","sentiment_score":-0.10001439787447453},{"text":"Yep.","start":859.86,"end":860.36,"sentiment":"neutral","sentiment_score":0.2961164712905884},{"text":"No.","start":860.81995,"end":861.06,"sentiment":"neutral","sentiment_score":-0.03484094887971878}],"sentiment":"neutral","sentiment_score":-0.06862272648140788,"num_words":32,"start":846.825,"end":861.06},{"sentences":[{"text":"That's okay.","start":861.06,"end":861.88,"sentiment":"neutral","sentiment_score":-0.002073412761092186},{"text":"Yeah.","start":863.715,"end":864.03503,"sentiment":"neutral","sentiment_score":0.03496619313955307},{"text":"No.","start":864.03503,"end":864.35504,"sentiment":"neutral","sentiment_score":-0.010427646338939668},{"text":"Good.","start":864.35504,"end":864.675,"sentiment":"neutral","sentiment_score":0.13153907656669617},{"text":"No.","start":864.675,"end":864.91504,"sentiment":"neutral","sentiment_score":-0.012378737330436708}],"sentiment":"neutral","sentiment_score":0.023258676752448082,"num_words":6,"start":861.06,"end":864.91504},{"sentences":[{"text":"Definitely.","start":864.91504,"end":865.235,"sentiment":"neutral","sentiment_score":0.147026926279068},{"text":"As soon as Jacob told me that.","start":865.235,"end":866.515,"sentiment":"neutral","sentiment_score":0.0580746845475265},{"text":"And, usually, with the contributions playing because you kind of do it, like, as a as a lump sum throughout as well, it's something we would even reassess and confirm with you before doing it because you can do it at different times.","start":866.515,"end":876.995,"sentiment":"neutral","sentiment_score":0.06492937161305616},{"text":"But, no, we haven't done that.","start":876.995,"end":878.22,"sentiment":"neutral","sentiment_score":-0.28075407197078067},{"text":"Yeah.","start":878.93994,"end":879.25995,"sentiment":"neutral","sentiment_score":-0.05658657103776932}],"sentiment":"neutral","sentiment_score":0.02766209818294336,"num_words":58,"start":864.91504,"end":879.25995},{"sentences":[{"text":"Sorry.","start":879.25995,"end":879.57996,"sentiment":"neutral","sentiment_score":-0.1678791493177414},{"text":"That's all that's all with you, and we don't we've canceled that moving forward as well.","start":879.57996,"end":884.24,"sentiment":"neutral","sentiment_score":-0.12638205708935857},{"text":"I don't think I'll triple check, but I don't think we actually did much of it at all, if any, because when how it works is that you can do it in a lump sum before the end of the financial year.","start":890.22,"end":902.805,"sentiment":"neutral","sentiment_score":-0.131390899064995},{"text":"So that's typically when we would do a bit of a lump sum before the end of the financial year.","start":902.865,"end":907.43,"sentiment":"neutral","sentiment_score":-0.014352692046668381},{"text":"And because that hasn't happened yet, there was a reminder for my colleague, Jack, who I think you've spoken with a few times in regards to insurances to to reach out and do that transfer for you in a month or so.","start":907.43,"end":922.005,"sentiment":"neutral","sentiment_score":-0.03564595337957144}],"sentiment":"neutral","sentiment_score":-0.07845118765580691,"num_words":121,"start":879.25995,"end":922.005},{"sentences":[{"text":"But because, obviously, your situation has changed, I've canceled that, and we haven't actually processed it yet, which is good.","start":922.065,"end":929.205,"sentiment":"neutral","sentiment_score":-0.1393862335011363},{"text":"Yeah.","start":929.905,"end":930.405,"sentiment":"neutral","sentiment_score":0.1615183651447296},{"text":"I know.","start":932.145,"end":932.72504,"sentiment":"neutral","sentiment_score":-0.015642869751900434},{"text":"Yeah.","start":939.19,"end":939.69,"sentiment":"neutral","sentiment_score":0.0017568878829479218},{"text":"Yeah.","start":940.63,"end":941.13,"sentiment":"neutral","sentiment_score":0.0856323093175888}],"sentiment":"neutral","sentiment_score":-0.10280411388725043,"num_words":25,"start":922.065,"end":941.13},{"sentences":[{"text":"Do you have a, like, a good lawyer and stuff that you you are working with or that's helping you with anything?","start":942.63,"end":948.875,"sentiment":"neutral","sentiment_score":0.2162634777751836},{"text":"Okay.","start":950.615,"end":951.115,"sentiment":"neutral","sentiment_score":-0.13627713918685913},{"text":"Yeah.","start":952.455,"end":952.955,"sentiment":"neutral","sentiment_score":-0.1765434294939041},{"text":"Yeah.","start":955.895,"end":956.395,"sentiment":"neutral","sentiment_score":-0.02864392101764679},{"text":"Yep.","start":956.53503,"end":957.03503,"sentiment":"neutral","sentiment_score":0.012576637789607048}],"sentiment":"neutral","sentiment_score":0.17034264073635524,"num_words":26,"start":942.63,"end":957.03503},{"sentences":[{"text":"Yeah.","start":960.23004,"end":960.73004,"sentiment":"neutral","sentiment_score":-0.002018129453063011},{"text":"Yeah.","start":965.19,"end":965.69,"sentiment":"neutral","sentiment_score":0.08499845862388611},{"text":"Yeah.","start":971.045,"end":971.545,"sentiment":"neutral","sentiment_score":0.24797719717025757},{"text":"Yeah.","start":971.605,"end":972.105,"sentiment":"neutral","sentiment_score":0.17838957905769348},{"text":"And that's kind of you as well to be like, okay.","start":972.485,"end":974.96497,"sentiment":"neutral","sentiment_score":0.16997336528517984}],"sentiment":"neutral","sentiment_score":0.15860360823571681,"num_words":15,"start":960.23004,"end":974.96497},{"sentences":[{"text":"Well, while you were off work and that's often what I'm hearing from from people as well.","start":974.96497,"end":979.76495,"sentiment":"neutral","sentiment_score":0.04067293606588945},{"text":"It's like, well, while you were off work looking after our baby and I was working, that's fair.","start":979.76495,"end":986.25,"sentiment":"neutral","sentiment_score":0.027797386567625735},{"text":"But before then yeah.","start":986.25,"end":988.67,"sentiment":"neutral","sentiment_score":-0.04566746111959219},{"text":"I'll leave that to to you guys, but I can see your reasoning behind behind that.","start":989.53,"end":995.07,"sentiment":"neutral","sentiment_score":-0.03287210559938103},{"text":"Yeah.","start":996.33,"end":996.83,"sentiment":"neutral","sentiment_score":0.07634499669075012}],"sentiment":"neutral","sentiment_score":0.009991327392136944,"num_words":56,"start":974.96497,"end":996.83},{"sentences":[{"text":"Yeah.","start":997.095,"end":997.595,"sentiment":"neutral","sentiment_score":0.09502328932285307},{"text":"Let me know as well if there's any, you know, drastic changes or anything, but we will get notified if there is a request or, like, a rollover or anything like that if it comes to it later.","start":997.65497,"end":1010.07495,"sentiment":"neutral","sentiment_score":0.13036526406281873},{"text":"So just kind of keep me in the loop if, you know, there is anything that does change with your super as well.","start":1010.51,"end":1015.73,"sentiment":"neutral","sentiment_score":0.23376251076874527},{"text":"Perfect.","start":1018.19,"end":1018.59,"sentiment":"positive","sentiment_score":0.5371421575546265},{"text":"Now I know you only have about a couple more minutes.","start":1018.59,"end":1021.07,"sentiment":"neutral","sentiment_score":0.12605631901797923}],"sentiment":"neutral","sentiment_score":0.1668811180830203,"num_words":74,"start":997.095,"end":1021.07},{"sentences":[{"text":"So before I kind of jump into insurances quickly, do you have any questions in regards to, you know, the super or anything like that, or it's, you know, pretty straightforward?","start":1021.07,"end":1031.375,"sentiment":"neutral","sentiment_score":0.21142449494331114},{"text":"So that's also why you speak to us so you don't have to worry about it.","start":1043.69,"end":1047.15,"sentiment":"neutral","sentiment_score":0.27489558048546314},{"text":"Yeah.","start":1051.385,"end":1051.885,"sentiment":"positive","sentiment_score":0.37204042077064514},{"text":"Yeah.","start":1054.025,"end":1054.3451,"sentiment":"positive","sentiment_score":0.34207481145858765},{"text":"Yeah.","start":1054.3451,"end":1054.8451,"sentiment":"positive","sentiment_score":0.3942328691482544}],"sentiment":"neutral","sentiment_score":0.24121673464775084,"num_words":50,"start":1021.07,"end":1054.8451},{"sentences":[{"text":"And and that's how it is because it's like it takes you don't have to worry about it, and we'll obviously do annual reviews every twelve months.","start":1055.385,"end":1061.625,"sentiment":"positive","sentiment_score":0.5267310451578211},{"text":"If you want more catch ups to see if you want more, we can do it six monthly or or quarterly as well.","start":1061.625,"end":1067.1499,"sentiment":"positive","sentiment_score":0.3973655545193216},{"text":"It's completely up to how much contact you would want.","start":1067.1499,"end":1070.0499,"sentiment":"positive","sentiment_score":0.5146974921226501},{"text":"And we always give you updates on, you know, what's happening, keeping a look at even for, like, the newsletters and stuff, which sometimes gives a a good update of what is going on.","start":1071.39,"end":1080.3451,"sentiment":"positive","sentiment_score":0.47336721069672527},{"text":"But, otherwise, our job is literally through, you know, manage and look after your superannuation, and we always have to, you know, act in your best interest when we do anything.","start":1080.3451,"end":1088.1051,"sentiment":"neutral","sentiment_score":0.2772099832373281}],"sentiment":"positive","sentiment_score":0.42556892430782317,"num_words":125,"start":1055.385,"end":1088.1051},{"sentences":[{"text":"And we can't just go ahead and make changes without your approval or anything like that.","start":1088.1051,"end":1092.525,"sentiment":"neutral","sentiment_score":0.012991797178983688},{"text":"But, obviously, it's it's our job through you to do all the research and make sure that we have you in the best option and position for your retirement.","start":1093.16,"end":1100.5399,"sentiment":"positive","sentiment_score":0.4762021775903373},{"text":"So that is not something you have to worry about.","start":1100.84,"end":1103.1,"sentiment":"positive","sentiment_score":0.350071781873703},{"text":"Yes.","start":1117.015,"end":1117.515,"sentiment":"neutral","sentiment_score":0.15043574571609497},{"text":"Yes.","start":1120.4,"end":1120.7201,"sentiment":"neutral","sentiment_score":0.13390009105205536}],"sentiment":"neutral","sentiment_score":0.3123295712366439,"num_words":57,"start":1088.1051,"end":1120.7201},{"sentences":[{"text":"Yes.","start":1120.7201,"end":1121.2201,"sentiment":"neutral","sentiment_score":0.19682809710502625},{"text":"I did look at that as part of the research for you, which is the the SMA, so a self managed account, which we recently launched with BlackRock.","start":1121.8401,"end":1130.1001,"sentiment":"neutral","sentiment_score":0.2941492795944214},{"text":"So I consider that as part of the research for you.","start":1130.495,"end":1134.5951,"sentiment":"positive","sentiment_score":0.4483965935862877},{"text":"And at the moment, when I did all the numbers and all the research, the portfolio in Hub 24 that I have recommended has performed a little bit better historically than the SMA currently, and it's also cheaper for you.","start":1135.135,"end":1149.82,"sentiment":"neutral","sentiment_score":0.2208140675909817},{"text":"So the SMA was a little bit more expensive and hadn't performed as well up to this point.","start":1149.82,"end":1157.36,"sentiment":"neutral","sentiment_score":-0.28112562331888413}],"sentiment":"neutral","sentiment_score":0.17487420346017699,"num_words":98,"start":1120.7201,"end":1157.36},{"sentences":[{"text":"That's not so, therefore, I didn't recommend it because I couldn't justify that that was going to be better for you than the recommendation I have made.","start":1157.625,"end":1165.085,"sentiment":"neutral","sentiment_score":-0.28158889766092654},{"text":"That's not to say that things might change, and we might be able to move that through the SMA because the the positive thing with the SMA is that we can very quickly make those changes.","start":1166.345,"end":1176.65,"sentiment":"positive","sentiment_score":0.4924031115240521},{"text":"We still research and do those changes for you anyway.","start":1177.27,"end":1180.49,"sentiment":"positive","sentiment_score":0.6301649451255799},{"text":"It would just mean that I would run through the changes with you, and you would assign a document to say that you are happy with the change, and then I can go ahead and make it.","start":1180.79,"end":1187.985,"sentiment":"positive","sentiment_score":0.45349670020309657},{"text":"That's basically the difference.","start":1188.225,"end":1189.9249,"sentiment":"neutral","sentiment_score":0.1972956731915474}],"sentiment":"neutral","sentiment_score":0.2981914195575212,"num_words":114,"start":1157.625,"end":1189.9249},{"sentences":[{"text":"Yeah.","start":1192.225,"end":1192.725,"sentiment":"neutral","sentiment_score":0.14606037735939026},{"text":"But, yes, it's something we're always reviewing.","start":1193.105,"end":1195.265,"sentiment":"neutral","sentiment_score":0.1380173840693065},{"text":"Now I know you only have a couple more minutes, so I will leave leave the superside for you.","start":1195.265,"end":1201.345,"sentiment":"neutral","sentiment_score":0.11719953072698493},{"text":"Investments, when you have a look at it, which is paid to 19, I have made a couple of changes in regards to the investment.","start":1201.345,"end":1206.78,"sentiment":"neutral","sentiment_score":0.1779853543639183},{"text":"Nothing drastic just to improve the returns and the the fees for you a little bit.","start":1206.92,"end":1213.34,"sentiment":"neutral","sentiment_score":0.3233726155012846}],"sentiment":"neutral","sentiment_score":0.19062601259964354,"num_words":68,"start":1192.225,"end":1213.34},{"sentences":[{"text":"It is still very diversified, and the philosophy and everything stays the same.","start":1213.72,"end":1218.615,"sentiment":"positive","sentiment_score":0.4263416757950416},{"text":"It is literally just swapping some that wasn't performing as well, the true and better option.","start":1218.615,"end":1223.915,"sentiment":"neutral","sentiment_score":0.21948276134207845},{"text":"If it is something you wanna go through in more detail with me later, just let me know.","start":1224.615,"end":1228.615,"sentiment":"neutral","sentiment_score":0.21744849367274177},{"text":"I'm more than happy to do so.","start":1228.615,"end":1229.895,"sentiment":"positive","sentiment_score":0.5352796145847866},{"text":"But, otherwise, I have sent you investment links so you can have a look at it as well because I know you don't have too much more time with me.","start":1229.895,"end":1237.27,"sentiment":"neutral","sentiment_score":0.14124240775903066}],"sentiment":"neutral","sentiment_score":0.24943414747360207,"num_words":84,"start":1213.72,"end":1237.27},{"sentences":[{"text":"Unless we contact you to say that, hey.","start":1243.65,"end":1247.865,"sentiment":"neutral","sentiment_score":-0.035447952104732394},{"text":"We're doing research, and we foresee this investment changing, then I'll contact you and say, hey.","start":1247.865,"end":1255.085,"sentiment":"neutral","sentiment_score":0.0016138013743329793},{"text":"I would like to look at swapping, you know, let's say you have one in Japan.","start":1255.465,"end":1262.62,"sentiment":"neutral","sentiment_score":0.03463588266458828},{"text":"Let's say we foresee something happening in Japan and that's not going to do well, I will then contact you and say, hey.","start":1262.62,"end":1269.1,"sentiment":"neutral","sentiment_score":-0.16099704429507256},{"text":"I would like to look at changing this investment, you know, based on the research and everything that we do, and then we'll obviously do those changes throughout the year.","start":1269.1,"end":1278.075,"sentiment":"neutral","sentiment_score":0.08805269114673138}],"sentiment":"neutral","sentiment_score":-0.008225160823654263,"num_words":93,"start":1243.65,"end":1278.075},{"sentences":[{"text":"But if there's no, you know, drastic changes or anything, and lot lot of it is also build up for long term growth.","start":1278.075,"end":1283.775,"sentiment":"neutral","sentiment_score":0.1668988375560097},{"text":"So it can, you know, withstand those short term fluctuations and cyclical trends in the market.","start":1284.155,"end":1290.095,"sentiment":"neutral","sentiment_score":0.23691099882125854},{"text":"And then, yes, otherwise, things will stay until next annual review or unless you call me and say that you wanna change anything or review anything.","start":1290.36,"end":1298.0599,"sentiment":"neutral","sentiment_score":0.0010447439809258168},{"text":"Yep.","start":1300.6,"end":1301.1,"sentiment":"neutral","sentiment_score":0.163923442363739},{"text":"Now with your insurances, I do quickly wanna run through that with you, which is page 21.","start":1302.44,"end":1308.4551,"sentiment":"neutral","sentiment_score":0.1411766883204965}],"sentiment":"neutral","sentiment_score":0.12313662328005555,"num_words":83,"start":1278.075,"end":1308.4551},{"sentences":[{"text":"I'll tryna be quick because we have gone through most of how the insurance functions and everything like that last time, but I have actually recommended a new insurer.","start":1309.555,"end":1319.5751,"sentiment":"neutral","sentiment_score":0.16061578691005707},{"text":"So same amount.","start":1320.39,"end":1321.93,"sentiment":"neutral","sentiment_score":0.21181551118691763},{"text":"So page 21, same million dollar life and TTD.","start":1322.23,"end":1326.25,"sentiment":"neutral","sentiment_score":0.23087589773866865},{"text":"Like I said, once everything gets settled, if you feel like you don't need as much anymore, we can easily reduce it, which will mean the premium gets cheaper.","start":1327.03,"end":1335.1449,"sentiment":"neutral","sentiment_score":0.2514498734782482},{"text":"But then at least in the meantime, you do have, you know, a lot of especially that TCD.","start":1335.7649,"end":1339.465,"sentiment":"neutral","sentiment_score":0.1900691178937753}],"sentiment":"neutral","sentiment_score":0.2055054305290634,"num_words":88,"start":1309.555,"end":1339.465},{"sentences":[{"text":"Because if something were to happen to you, you will need potentially a bit more of that income replacement to help you get through as well.","start":1339.5249,"end":1346.58,"sentiment":"neutral","sentiment_score":0.15721558292324728},{"text":"Correct.","start":1352.5,"end":1353.0,"sentiment":"neutral","sentiment_score":0.13812771439552307},{"text":"Yes.","start":1353.0599,"end":1353.5599,"sentiment":"neutral","sentiment_score":0.1325700730085373},{"text":"And that is for all three.","start":1353.86,"end":1356.5199,"sentiment":"neutral","sentiment_score":0.0998441514869531},{"text":"Yep.","start":1359.075,"end":1359.575,"sentiment":"neutral","sentiment_score":0.09116252511739732}],"sentiment":"neutral","sentiment_score":0.14424372506993158,"num_words":35,"start":1339.5249,"end":1359.575},{"sentences":[{"text":"Sorry.","start":1361.7949,"end":1362.115,"sentiment":"neutral","sentiment_score":-0.029416657984256744},{"text":"What was that, Xavier?","start":1362.115,"end":1363.1749,"sentiment":"neutral","sentiment_score":-0.082160959020257},{"text":"Yeah.","start":1368.515,"end":1368.9149,"sentiment":"positive","sentiment_score":0.37161242961883545},{"text":"And especially, for the level of cover.","start":1368.9149,"end":1372.355,"sentiment":"neutral","sentiment_score":0.30629373288580347},{"text":"I because you're quite young, still The insurance point of you usually, the older you get, the more expensive they get because you can have, you know, more health issues and stuff like that.","start":1372.355,"end":1381.0299,"sentiment":"neutral","sentiment_score":-0.21139373575501583}],"sentiment":"neutral","sentiment_score":-0.1070165734024758,"num_words":47,"start":1361.7949,"end":1381.0299},{"sentences":[{"text":"So for a million dollar worth of cover for life and TPD as well as an income protection, and the income protection, because your income is quite high, it will pay pay you that monthly benefit amount of 9,917 per month.","start":1381.6499,"end":1396.415,"sentiment":"neutral","sentiment_score":0.2867637218498602},{"text":"I've also added a benefit that if you are on claim, you will continue to get contributions added to your superannuation even though you will not be working for the duration of the claim.","start":1396.635,"end":1409.9,"sentiment":"neutral","sentiment_score":0.22698002976968007},{"text":"So does that make sense?","start":1410.84,"end":1412.78,"sentiment":"neutral","sentiment_score":0.12493834048509597},{"text":"Yep.","start":1414.28,"end":1414.76,"sentiment":"neutral","sentiment_score":0.2491357624530792},{"text":"Perfect.","start":1414.76,"end":1415.26,"sentiment":"positive","sentiment_score":0.5715970396995544}],"sentiment":"neutral","sentiment_score":0.2551226599096525,"num_words":82,"start":1381.6499,"end":1415.26},{"sentences":[{"text":"Thirty day waiting period, five year benefit periods are similar to last time.","start":1416.04,"end":1420.7051,"sentiment":"neutral","sentiment_score":0.2974660236101884},{"text":"The the added kind of benefit with Zurich is that they pay fifteen days in arrears.","start":1420.7051,"end":1426.645,"sentiment":"neutral","sentiment_score":0.2602431606501341},{"text":"There's only two providers who do that, which is Zurich on one path, every single else through thirty days in arrears, which will mean that you'll get to claim quicker on Zurich policy.","start":1427.425,"end":1438.66,"sentiment":"neutral","sentiment_score":0.2720313713406072},{"text":"If something were to happen, you'll be able to get that benefit paid to you quicker than with other providers, which is good.","start":1438.66,"end":1445.3201,"sentiment":"positive","sentiment_score":0.4522359286961348},{"text":"And they just do that built in.","start":1445.485,"end":1447.1849,"sentiment":"positive","sentiment_score":0.39037720220429556}],"sentiment":"neutral","sentiment_score":0.32763098811973695,"num_words":92,"start":1416.04,"end":1447.1849},{"sentences":[{"text":"Yeah.","start":1449.085,"end":1449.585,"sentiment":"neutral","sentiment_score":0.2904704809188843},{"text":"Perfect.","start":1449.8049,"end":1450.3049,"sentiment":"positive","sentiment_score":0.5326314568519592},{"text":"Now when you read through the document, when you have some time, there are a bit more information in regards to the policy, all the advantages.","start":1451.4049,"end":1459.6001,"sentiment":"neutral","sentiment_score":0.2701759481659302},{"text":"In regards to it, I've also included a PDF.","start":1460.06,"end":1463.1201,"sentiment":"neutral","sentiment_score":0.1977101249827279},{"text":"So everything you need to know about your Zurich insurances there for you.","start":1463.26,"end":1467.68,"sentiment":"neutral","sentiment_score":0.26620848591511065}],"sentiment":"neutral","sentiment_score":0.2617555606365204,"num_words":50,"start":1449.085,"end":1467.68},{"sentences":[{"text":"If you have any questions, let me know.","start":1467.9,"end":1470.2201,"sentiment":"neutral","sentiment_score":0.1393694318830967},{"text":"Otherwise, in terms of inclusions and features, it's very similar to the other provider that I spoke to you about last time.","start":1470.2201,"end":1477.635,"sentiment":"neutral","sentiment_score":0.2167314040389928},{"text":"But when I run the numbers this time, it still came out a little bit more competitive in price as well as still having the the same features.","start":1477.635,"end":1485.315,"sentiment":"positive","sentiment_score":0.3738695297922407},{"text":"So that's really good.","start":1485.315,"end":1486.4349,"sentiment":"positive","sentiment_score":0.739531621336937},{"text":"Made it a little bit cheaper.","start":1486.4349,"end":1487.815,"sentiment":"positive","sentiment_score":0.5614552597204844}],"sentiment":"positive","sentiment_score":0.33350369443788247,"num_words":68,"start":1467.9,"end":1487.815},{"sentences":[{"text":"And I do wanna just yeah.","start":1489.02,"end":1490.56,"sentiment":"neutral","sentiment_score":0.041079359129071236},{"text":"So income protection is if you're unable to work temporarily.","start":1498.7001,"end":1502.2401,"sentiment":"neutral","sentiment_score":-0.136057885363698},{"text":"So, yes, trauma, which is on the page 22, I have recommended the trauma for you again, at a 150,000.","start":1502.54,"end":1511.515,"sentiment":"neutral","sentiment_score":-0.0023752788081765177},{"text":"Now that is a separate policy.","start":1511.735,"end":1513.355,"sentiment":"neutral","sentiment_score":-0.01800740199784438},{"text":"The trauma is if you suffer any of those traumatic events, like cancer, stroke, heart attack, neurological condition, that is not dependent on you working at all.","start":1514.295,"end":1523.8099,"sentiment":"neutral","sentiment_score":-0.03992767418148341}],"sentiment":"neutral","sentiment_score":-0.03402463608569857,"num_words":69,"start":1489.02,"end":1523.8099},{"sentences":[{"text":"So you could still be working and earning an income if you get a diagnosis.","start":1523.8099,"end":1528.07,"sentiment":"neutral","sentiment_score":0.11039275700847308},{"text":"That's when you will get paid the 150,000 completely tax free to your back pocket.","start":1528.5299,"end":1534.275,"sentiment":"neutral","sentiment_score":0.05261206403374672},{"text":"So this policy is out of pocket.","start":1534.975,"end":1537.555,"sentiment":"neutral","sentiment_score":-0.007285444198974541},{"text":"So the monthly premium is $52.65.","start":1537.855,"end":1542.435,"sentiment":"neutral","sentiment_score":-0.014190322409073511},{"text":"So, obviously, have a think about cash flow and stuff like that.","start":1545.69,"end":1549.87,"sentiment":"neutral","sentiment_score":-0.018315188586711884}],"sentiment":"neutral","sentiment_score":0.03798454561355439,"num_words":55,"start":1523.8099,"end":1549.87},{"sentences":[{"text":"Again, if you say, okay.","start":1549.9299,"end":1552.2699,"sentiment":"neutral","sentiment_score":0.04142942503094673},{"text":"I'll I'll happy to start with the trauma and start with everything, and something changes with your cash flow when you have, you know, a better understanding of rental expenses or anything like that and you go, no.","start":1552.33,"end":1562.7849,"sentiment":"neutral","sentiment_score":0.1743676448731046},{"text":"I I don't wanna pay for out of pocket anymore.","start":1562.7849,"end":1564.945,"sentiment":"neutral","sentiment_score":-0.17654979377985},{"text":"We can just cancel it.","start":1564.945,"end":1566.065,"sentiment":"neutral","sentiment_score":-0.07147734612226486},{"text":"It's really easy to cancel if you change your mind.","start":1566.065,"end":1569.985,"sentiment":"neutral","sentiment_score":-0.03403343539685011}],"sentiment":"neutral","sentiment_score":0.06426321482285857,"num_words":68,"start":1549.9299,"end":1569.985},{"sentences":[{"text":"But, again, obviously, I'll let you think about it.","start":1569.985,"end":1572.06,"sentiment":"neutral","sentiment_score":0.066419734309117},{"text":"But it's $53.65 per month, and that gives you a 150,000 worth of trauma as well as an added 150,000 worth of life just to make your your policy cheaper.","start":1572.2201,"end":1585.3401,"sentiment":"neutral","sentiment_score":0.11999796802798907},{"text":"That's it.","start":1585.3401,"end":1586.025,"sentiment":"neutral","sentiment_score":0.011135067557916045},{"text":"It's not it's not that much at all.","start":1589.625,"end":1592.2051,"sentiment":"neutral","sentiment_score":-0.15270261466503143},{"text":"And I typically say as well that if you have yeah.","start":1592.5851,"end":1595.145,"sentiment":"neutral","sentiment_score":-0.04713373885236003}],"sentiment":"neutral","sentiment_score":0.04133157900068909,"num_words":60,"start":1569.985,"end":1595.145},{"sentences":[{"text":"It's $13.16 a week.","start":1595.145,"end":1597.405,"sentiment":"neutral","sentiment_score":-0.03465847950428724},{"text":"That if you have the cash flow, it is one of those policies we see claimed on the most because you don't have to prove that you're unable to go back to work.","start":1597.545,"end":1605.4,"sentiment":"neutral","sentiment_score":-0.04610790780773669},{"text":"If you just get a diagnosis that's on there, you will get paid out, and it's tax free.","start":1605.4,"end":1612.4601,"sentiment":"neutral","sentiment_score":0.02703193999412987},{"text":"So it is a really good policy to have.","start":1613.4801,"end":1616.115,"sentiment":"positive","sentiment_score":0.3647519714302487},{"text":"But usually for people, the sticky point is having the cash flow because you can't pay for it out of the.","start":1616.275,"end":1621.975,"sentiment":"neutral","sentiment_score":-0.13522951943533762}],"sentiment":"neutral","sentiment_score":-0.008596142600564396,"num_words":85,"start":1595.145,"end":1621.975},{"sentences":[{"text":"But yes.","start":1624.355,"end":1624.675,"sentiment":"neutral","sentiment_score":0.021177511662244797},{"text":"Yes, sir.","start":1624.675,"end":1625.415,"sentiment":"neutral","sentiment_score":0.05964240804314613},{"text":"Mhmm.","start":1625.5549,"end":1626.0549,"sentiment":"neutral","sentiment_score":0.0091911219060421},{"text":"What was that?","start":1629.09,"end":1629.65,"sentiment":"neutral","sentiment_score":-0.01696375695367654},{"text":"Sorry.","start":1629.65,"end":1630.15,"sentiment":"neutral","sentiment_score":-0.03172324597835541}],"sentiment":"neutral","sentiment_score":0.009801827164159881,"num_words":9,"start":1624.355,"end":1630.15},{"sentences":[{"text":"Yep.","start":1632.77,"end":1633.27,"sentiment":"neutral","sentiment_score":0.15519492328166962},{"text":"Yep.","start":1633.33,"end":1633.83,"sentiment":"neutral","sentiment_score":0.21061426401138303},{"text":"Perfect.","start":1633.89,"end":1634.39,"sentiment":"positive","sentiment_score":0.40352803468704224},{"text":"Now I know you have to go, so I won't go through the rest with you.","start":1634.93,"end":1639.03,"sentiment":"neutral","sentiment_score":0.07343042711727321},{"text":"Have a read over it.","start":1639.17,"end":1640.45,"sentiment":"neutral","sentiment_score":0.0520770400762558}],"sentiment":"neutral","sentiment_score":0.09185871900990605,"num_words":24,"start":1632.77,"end":1640.45},{"sentences":[{"text":"I know we've spoke kind of about the other bits and pieces.","start":1640.45,"end":1643.35,"sentiment":"neutral","sentiment_score":0.038504564513762794},{"text":"If you have any questions in regards to any any of the rest, just let me know.","start":1643.865,"end":1649.005,"sentiment":"neutral","sentiment_score":0.06986810727154508},{"text":"Otherwise, from here, if you do, you know, decide that you would like to go ahead with the change, so to consolidate, update your investment, and apply for the insurances, And there is absolutely no changes in regards to the fee.","start":1649.785,"end":1662.3301,"sentiment":"neutral","sentiment_score":0.10539962414924692},{"text":"So you're not paying any more through to do the the change.","start":1662.55,"end":1665.91,"sentiment":"neutral","sentiment_score":0.16955240815877914},{"text":"It is all part of the advice service fee, which is that 1.1 form due graduation.","start":1665.91,"end":1671.085,"sentiment":"neutral","sentiment_score":0.25542391184717417}],"sentiment":"neutral","sentiment_score":0.12339396607510898,"num_words":98,"start":1640.45,"end":1671.085},{"sentences":[{"text":"There is no increases or anything like that.","start":1671.085,"end":1673.325,"sentiment":"neutral","sentiment_score":0.18476623203605413},{"text":"It stays exactly the same.","start":1673.325,"end":1674.945,"sentiment":"positive","sentiment_score":0.3552372813224792},{"text":"It's just part of the service.","start":1675.565,"end":1676.945,"sentiment":"neutral","sentiment_score":0.2714913139740626},{"text":"Yeah.","start":1677.245,"end":1677.725,"sentiment":"neutral","sentiment_score":0.19198527932167053},{"text":"And that's, again, if we do this a couple of times or when your situation change, again, there is no additional fees or charges.","start":1677.725,"end":1684.5249,"sentiment":"neutral","sentiment_score":0.18378217269976935}],"sentiment":"neutral","sentiment_score":0.21559139933775773,"num_words":44,"start":1671.085,"end":1684.5249},{"sentences":[{"text":"It's all part of the ongoing advice Perfect.","start":1684.5249,"end":1689.9401,"sentiment":"neutral","sentiment_score":0.2981470040977001},{"text":"I do wanna mention one last thing, which is just your Zurich premium.","start":1689.9401,"end":1693.3201,"sentiment":"neutral","sentiment_score":0.19690408672277743},{"text":"It is outlined on the remuneration section.","start":1693.38,"end":1695.9601,"sentiment":"neutral","sentiment_score":0.11664900502988271},{"text":"That is not you paying that, though.","start":1696.5801,"end":1698.3401,"sentiment":"neutral","sentiment_score":0.016227801463433673},{"text":"It is Zurich paying us.","start":1698.3401,"end":1699.905,"sentiment":"neutral","sentiment_score":0.06397392973303795}],"sentiment":"neutral","sentiment_score":0.1548734113574028,"num_words":40,"start":1684.5249,"end":1699.905},{"sentences":[{"text":"And, again, it's exactly the same breakdown split with all the insurers out there and for every single adviser, so it doesn't pay us in any way.","start":1700.385,"end":1708.225,"sentiment":"neutral","sentiment_score":0.12249239382368547},{"text":"But for compliance purposes, we have to disclose it so you are fully aware of everything.","start":1708.225,"end":1712.885,"sentiment":"neutral","sentiment_score":0.02909333712887019},{"text":"But if you see it, that is not you paying those insurances, that is you're paying us.","start":1713.48,"end":1718.22,"sentiment":"neutral","sentiment_score":-0.017933975288863566},{"text":"Does that make sense, Javier?","start":1718.28,"end":1719.58,"sentiment":"neutral","sentiment_score":0.017600813880562782},{"text":"Yeah.","start":1721.64,"end":1722.14,"sentiment":"neutral","sentiment_score":0.09312539547681808}],"sentiment":"neutral","sentiment_score":0.05528848351924821,"num_words":66,"start":1700.385,"end":1722.14},{"sentences":[{"text":"Great.","start":1722.2,"end":1722.7,"sentiment":"positive","sentiment_score":0.412164568901062},{"text":"Yes.","start":1727.175,"end":1727.675,"sentiment":"neutral","sentiment_score":-0.002358796074986458},{"text":"I can just get the oh, yes.","start":1728.295,"end":1729.8151,"sentiment":"neutral","sentiment_score":-0.0019442103803157806},{"text":"Yep.","start":1729.8151,"end":1730.055,"sentiment":"neutral","sentiment_score":0.011344446800649166},{"text":"Yep.","start":1730.055,"end":1730.375,"sentiment":"neutral","sentiment_score":0.000212393089896068}],"sentiment":"neutral","sentiment_score":0.03706846727767366,"num_words":11,"start":1722.2,"end":1730.375},{"sentences":[{"text":"I was gonna say, I can get them to email you, but that doesn't really that doesn't really work.","start":1730.375,"end":1733.995,"sentiment":"neutral","sentiment_score":-0.056221801689580866},{"text":"Yeah.","start":1735.095,"end":1735.575,"sentiment":"neutral","sentiment_score":0.017150167375802994},{"text":"Do that.","start":1735.575,"end":1736.235,"sentiment":"neutral","sentiment_score":0.010007781907916069},{"text":"Would you like us to send it to you in an email as well if it's easier to to download and print it?","start":1737.75,"end":1743.77,"sentiment":"neutral","sentiment_score":0.04811258273928062},{"text":"Yes?","start":1745.59,"end":1746.09,"sentiment":"neutral","sentiment_score":0.02012217603623867}],"sentiment":"neutral","sentiment_score":0.002079632133245468,"num_words":46,"start":1730.375,"end":1746.09},{"sentences":[{"text":"Hello?","start":1747.27,"end":1747.77,"sentiment":"neutral","sentiment_score":-0.12089484184980392},{"text":"Yeah.","start":1751.765,"end":1752.245,"sentiment":"neutral","sentiment_score":-0.07224193960428238},{"text":"No.","start":1752.245,"end":1752.485,"sentiment":"neutral","sentiment_score":-0.08065323531627655},{"text":"That is no problem.","start":1752.485,"end":1753.785,"sentiment":"positive","sentiment_score":0.4394315630197525},{"text":"I will get the the team through email you or, actually, I'll just do because most of them have left for the day.","start":1754.3251,"end":1761.925,"sentiment":"neutral","sentiment_score":0.27658986073473224}],"sentiment":"neutral","sentiment_score":0.2615167677402496,"num_words":30,"start":1747.27,"end":1761.925},{"sentences":[{"text":"I'll just send you an email shortly with the attachment, and then you can print it and have a read over it.","start":1761.925,"end":1770.84,"sentiment":"neutral","sentiment_score":0.2116807225075635},{"text":"It is still valid for a a bit of time as well.","start":1770.84,"end":1773.48,"sentiment":"neutral","sentiment_score":0.27320735653241474},{"text":"So you do have about thirty days or so to have a read over it and, you know, decide what you would like to do, so no rush.","start":1773.48,"end":1781.685,"sentiment":"neutral","sentiment_score":0.20608604273625783},{"text":"If you have any questions when you print it out, though, that we didn't have a chance to go through today, just send me an email or or give the office a call, and we can always book you in for a bit of a follow-up to to go through that for you.","start":1782.305,"end":1793.4,"sentiment":"neutral","sentiment_score":0.13580586550370702},{"text":"Okay.","start":1795.64,"end":1796.14,"sentiment":"neutral","sentiment_score":0.2835180163383484}],"sentiment":"neutral","sentiment_score":0.1826474332603915,"num_words":116,"start":1761.925,"end":1796.14},{"sentences":[{"text":"No worries.","start":1796.4401,"end":1796.92,"sentiment":"positive","sentiment_score":0.396343395113945},{"text":"Thank you so much for your time this afternoon, Xavier.","start":1796.92,"end":1799.18,"sentiment":"positive","sentiment_score":0.8214412808418274},{"text":"And anything you need, just let me know.","start":1799.24,"end":1801.5,"sentiment":"positive","sentiment_score":0.590288732200861},{"text":"And I hope everything goes well, otherwise, for you, and I look forward to hearing from you soon again.","start":1801.88,"end":1807.9,"sentiment":"positive","sentiment_score":0.7328978776931763},{"text":"No problem.","start":1810.6368,"end":1811.2769,"sentiment":"positive","sentiment_score":0.3834230452775955}],"sentiment":"positive","sentiment_score":0.6932028103165511,"num_words":41,"start":1796.4401,"end":1811.2769},{"sentences":[{"text":"We'll speak soon.","start":1811.2769,"end":1812.1769,"sentiment":"positive","sentiment_score":0.34129318594932556},{"text":"Bye.","start":1814.1569,"end":1814.6569,"sentiment":"neutral","sentiment_score":0.1486717313528061}],"sentiment":"neutral","sentiment_score":0.2931378223001957,"num_words":4,"start":1811.2769,"end":1814.6569}]}}]},{"alternatives":[{"transcript":"Good. Thanks. How are you doing? That's alright. I just need to check on vacuuming. Yeah. That's till five. My son's coming over at five. Yep. Yeah. That's fine. That's fine. We're gonna sell the house, so I think it's just still pretty insurance the same. But for now, we're gonna sell the house and rent. So we'll just leave it as it is for now. Yeah. Yeah. That just reduced my premiums. Yep. I'm on my phone. Hold on a second. I'm gonna get on my phone. If you don't speak, I can get on my phone. Hold on. I got you on speaker now. I'll just go to the email. I'll drop out. Where is the call? Yep. I got it. Just sign document. Is that your name? Just wanna use my location. Yeah. Statement of advice, compared to David Hammond. I'm not having my finger over this volume. Is that better? Yeah. Yes. Not really. I don't I I get what you're saying. But, yeah, how much was better than last year, basically. What the heck on vacation? Is that how much super I get a year? Okay. Yeah. Yeah. Yeah. The five percent. Yeah. That's good. In the ten years, I'm not gonna show up a grand. Okay. Yeah. If I want is is salary sacrifice hard to set up if I want to put more? Yeah. Okay. I think well, I think I'll just get through this separation part, and then I'll look at that. And sorry. Have we stopped so I don't wanna keep giving my extra half half my pay half my Uber. We stop. Okay. Thank you. Do you know how long I was paying a half full? Yeah. Alright. Yep. She sees out the out, and now she's saying she wants half my seat belt from when I was, like, 18, which I don't think is really quite fair. So I wanna keep it our way. There's not enough money. It's like it's only Ram will be splitting up, really. But, yeah, we're gonna go to mediation soon, try and work some things out. But, man, I'm happy for half of my super flip on that she hasn't worked looking after her son, but Yeah. See what happened. No worries. I guess I don't know. I I don't. I'm just a plumber, really. I guess I just I just wanna know someone's keeping an eye on it for me, like, doing what I should for me. Yeah. There was something said last time I was talking these, which was sort of along the lines of someone actually, like, looking at it and changing stuff as it needs to be changed. And that was an option. I'll I'll sort of like, I've had to start with, but I know. Yeah. Okay. Alright. So this is basically gonna stay like this till the next review next year. Yeah. Okay. Alright. So the yearly premium is $3,007.80. Yeah? Yeah. Oh, I said that I thought it cost more than that. That's not too bad. So that's that's good. Yes. Yep. Yeah. Okay. This this thing happens to some whatever trauma cover, like, I can just claim this to keep me going while I'm doing whatever else. Okay. Wrong. Okay. It's really only 13 or $14 a week, isn't it? It's not really that much. Yeah. Yeah. I think yeah. I think I'll go with that. That sounds good. Alright. Yeah. Yeah. I'm going to Office Works. 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Thanks. How are you doing? That's alright. I just need to check on vacuuming.\n\nYeah. That's till five. My son's coming over at five. Yep. Yeah.\n\nThat's fine. That's fine. We're gonna sell the house, so I think it's just still pretty insurance the same. But for now, we're gonna sell the house and rent. So we'll just leave it as it is for now.\n\nYeah. Yeah. That just reduced my premiums. Yep. I'm on my phone.\n\nHold on a second. I'm gonna get on my phone. If you don't speak, I can get on my phone. Hold on. I got you on speaker now.\n\nI'll just go to the email. I'll drop out. Where is the call? Yep. I got it.\n\nJust sign document. Is that your name? Just wanna use my location. Yeah. Statement of advice, compared to David Hammond.\n\nI'm not having my finger over this volume. Is that better? Yeah. Yes. Not really.\n\nI don't I I get what you're saying. But, yeah, how much was better than last year, basically. What the heck on vacation? Is that how much super I get a year? Okay.\n\nYeah. Yeah. Yeah. The five percent. Yeah.\n\nThat's good. In the ten years, I'm not gonna show up a grand. Okay. Yeah. If I want is is salary sacrifice hard to set up if I want to put more?\n\nYeah. Okay. I think well, I think I'll just get through this separation part, and then I'll look at that. And sorry. Have we stopped so I don't wanna keep giving my extra half half my pay half my Uber.\n\nWe stop. Okay. Thank you. Do you know how long I was paying a half full? Yeah.\n\nAlright. Yep. She sees out the out, and now she's saying she wants half my seat belt from when I was, like, 18, which I don't think is really quite fair. So I wanna keep it our way. There's not enough money.\n\nIt's like it's only Ram will be splitting up, really. But, yeah, we're gonna go to mediation soon, try and work some things out. But, man, I'm happy for half of my super flip on that she hasn't worked looking after her son, but Yeah. See what happened. No worries.\n\nI guess I don't know. I I don't. I'm just a plumber, really. I guess I just I just wanna know someone's keeping an eye on it for me, like, doing what I should for me. Yeah.\n\nThere was something said last time I was talking these, which was sort of along the lines of someone actually, like, looking at it and changing stuff as it needs to be changed. And that was an option. I'll I'll sort of like, I've had to start with, but I know. Yeah. Okay.\n\nAlright. So this is basically gonna stay like this till the next review next year. Yeah. Okay. Alright.\n\nSo the yearly premium is $3,007.80. Yeah? Yeah. Oh, I said that I thought it cost more than that. That's not too bad.\n\nSo that's that's good. Yes. Yep. Yeah. Okay.\n\nThis this thing happens to some whatever trauma cover, like, I can just claim this to keep me going while I'm doing whatever else. Okay. Wrong. Okay. It's really only 13 or $14 a week, isn't it?\n\nIt's not really that much. Yeah. Yeah. I think yeah. I think I'll go with that.\n\nThat sounds good. Alright. Yeah. Yeah. I'm going to Office Works.\n\nWe won't be able to print all this out. I'll just I struggle reading off screen. Yeah. That'll be better because I I just my eyes are a bit funny and I'm reading all the stuff properly and it was on paper for some reason. Okay.\n\nNo worries. Alright. Thank you. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good.","start":4.3199997,"end":4.56,"sentiment":"positive","sentiment_score":0.5278967618942261},{"text":"Thanks.","start":4.56,"end":4.88,"sentiment":"positive","sentiment_score":0.5602867603302002},{"text":"How are you doing?","start":4.88,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.2962617799639702},{"text":"That's alright.","start":9.44,"end":10.24,"sentiment":"neutral","sentiment_score":0.2444377988576889},{"text":"I just need to check on vacuuming.","start":10.24,"end":12.74,"sentiment":"neutral","sentiment_score":0.03520883885877473}],"sentiment":"neutral","sentiment_score":0.2005712074538072,"num_words":15,"start":4.3199997,"end":12.74},{"sentences":[{"text":"Yeah.","start":31.369999,"end":31.77,"sentiment":"neutral","sentiment_score":0.03306100144982338},{"text":"That's till five.","start":31.77,"end":32.829998,"sentiment":"neutral","sentiment_score":0.037232437481482826},{"text":"My son's coming over at five.","start":36.89,"end":38.51,"sentiment":"neutral","sentiment_score":0.05575269274413586},{"text":"Yep.","start":48.425,"end":48.925,"sentiment":"neutral","sentiment_score":-0.022266827523708344},{"text":"Yeah.","start":82.7,"end":83.02,"sentiment":"neutral","sentiment_score":0.07491979002952576}],"sentiment":"neutral","sentiment_score":0.04432728607207537,"num_words":12,"start":31.369999,"end":83.02},{"sentences":[{"text":"That's fine.","start":83.02,"end":83.84,"sentiment":"neutral","sentiment_score":0.12898168712854385},{"text":"That's fine.","start":83.899994,"end":84.71999,"sentiment":"neutral","sentiment_score":0.18198245763778687},{"text":"We're gonna sell the house, so I think it's just still pretty insurance the same.","start":116.16,"end":123.105,"sentiment":"neutral","sentiment_score":-0.1342624917626381},{"text":"But for now, we're gonna sell the house and rent.","start":123.245,"end":127.885,"sentiment":"neutral","sentiment_score":0.09394390806555748},{"text":"So we'll just leave it as it is for now.","start":127.885,"end":129.665,"sentiment":"neutral","sentiment_score":0.2013042837381363}],"sentiment":"neutral","sentiment_score":0.04001212387512892,"num_words":39,"start":83.02,"end":129.665},{"sentences":[{"text":"Yeah.","start":130.045,"end":130.545,"sentiment":"positive","sentiment_score":0.3849990963935852},{"text":"Yeah.","start":149.215,"end":149.45499,"sentiment":"neutral","sentiment_score":0.2796299159526825},{"text":"That just reduced my premiums.","start":149.45499,"end":150.915,"sentiment":"neutral","sentiment_score":0.31683640480041503},{"text":"Yep.","start":151.215,"end":151.715,"sentiment":"neutral","sentiment_score":0.30359941720962524},{"text":"I'm on my phone.","start":163.49,"end":164.63,"sentiment":"neutral","sentiment_score":-0.006395327276550233}],"sentiment":"neutral","sentiment_score":0.2105690953709806,"num_words":12,"start":130.045,"end":164.63},{"sentences":[{"text":"Hold on a second.","start":164.69,"end":165.41,"sentiment":"neutral","sentiment_score":-0.001802301267161965},{"text":"I'm gonna get on my phone.","start":165.41,"end":166.37001,"sentiment":"neutral","sentiment_score":0.017785927280783653},{"text":"If you don't speak, I can get on my phone.","start":166.37001,"end":167.81001,"sentiment":"neutral","sentiment_score":-0.016919751651585102},{"text":"Hold on.","start":167.81001,"end":168.55,"sentiment":"neutral","sentiment_score":0.014350801706314087},{"text":"I got you on speaker now.","start":183.435,"end":184.795,"sentiment":"neutral","sentiment_score":0.07822887413203716}],"sentiment":"neutral","sentiment_score":0.015299417510894793,"num_words":28,"start":164.69,"end":184.795},{"sentences":[{"text":"I'll just go to the email.","start":184.795,"end":186.255,"sentiment":"neutral","sentiment_score":0.06145660951733589},{"text":"I'll drop out.","start":186.715,"end":187.695,"sentiment":"neutral","sentiment_score":0.04846870775024096},{"text":"Where is the call?","start":192.9,"end":193.87999,"sentiment":"neutral","sentiment_score":0.009747089818120003},{"text":"Yep.","start":195.78,"end":196.28,"sentiment":"neutral","sentiment_score":0.06749531626701355},{"text":"I got it.","start":196.34,"end":197.23999,"sentiment":"neutral","sentiment_score":0.08023690183957417}],"sentiment":"neutral","sentiment_score":0.05066706831840908,"num_words":17,"start":184.795,"end":197.23999},{"sentences":[{"text":"Just sign document.","start":236.655,"end":237.615,"sentiment":"neutral","sentiment_score":0.024713657796382904},{"text":"Is that your name?","start":237.615,"end":238.595,"sentiment":"neutral","sentiment_score":0.030526265036314726},{"text":"Just wanna use my location.","start":251.87,"end":253.41,"sentiment":"neutral","sentiment_score":0.0404635913670063},{"text":"Yeah.","start":258.625,"end":258.865,"sentiment":"neutral","sentiment_score":0.04354541376233101},{"text":"Statement of advice, compared to David Hammond.","start":258.865,"end":261.925,"sentiment":"neutral","sentiment_score":0.05005133418100221}],"sentiment":"neutral","sentiment_score":0.03962343716993928,"num_words":20,"start":236.655,"end":261.925},{"sentences":[{"text":"I'm not having my finger over this volume.","start":275.31998,"end":277.87997,"sentiment":"neutral","sentiment_score":-0.230947682633996},{"text":"Is that better?","start":277.87997,"end":278.69998,"sentiment":"neutral","sentiment_score":-0.05505570645133654},{"text":"Yeah.","start":323.16498,"end":323.66498,"sentiment":"neutral","sentiment_score":0.10091248154640198},{"text":"Yes.","start":403.255,"end":403.755,"sentiment":"neutral","sentiment_score":0.12739786505699158},{"text":"Not really.","start":509.5,"end":510.14,"sentiment":"neutral","sentiment_score":-0.04470766894519329}],"sentiment":"neutral","sentiment_score":-0.12492357144753138,"num_words":15,"start":275.31998,"end":510.14},{"sentences":[{"text":"I don't I I get what you're saying.","start":510.14,"end":512.0,"sentiment":"neutral","sentiment_score":-0.1180421244353056},{"text":"But, yeah, how much was better than last year, basically.","start":512.3,"end":515.52,"sentiment":"neutral","sentiment_score":0.309822591394186},{"text":"What the heck on vacation?","start":532.185,"end":533.64496,"sentiment":"neutral","sentiment_score":0.01434934064745903},{"text":"Is that how much super I get a year?","start":533.785,"end":543.14,"sentiment":"neutral","sentiment_score":0.04693671357300547},{"text":"Okay.","start":551.945,"end":552.445,"sentiment":"neutral","sentiment_score":0.07169117033481598}],"sentiment":"neutral","sentiment_score":0.0824168852784417,"num_words":33,"start":510.14,"end":552.445},{"sentences":[{"text":"Yeah.","start":579.635,"end":580.135,"sentiment":"neutral","sentiment_score":0.2588581442832947},{"text":"Yeah.","start":623.54004,"end":623.86005,"sentiment":"neutral","sentiment_score":0.13092222809791565},{"text":"Yeah.","start":623.86005,"end":624.36005,"sentiment":"neutral","sentiment_score":0.14736533164978027},{"text":"The five percent.","start":624.42004,"end":625.4,"sentiment":"neutral","sentiment_score":0.18264163037141165},{"text":"Yeah.","start":642.415,"end":642.65497,"sentiment":"positive","sentiment_score":0.35953131318092346}],"sentiment":"neutral","sentiment_score":0.20637170118944986,"num_words":7,"start":579.635,"end":642.65497},{"sentences":[{"text":"That's good.","start":642.65497,"end":643.055,"sentiment":"positive","sentiment_score":0.47160305082798004},{"text":"In the ten years, I'm not gonna show up a grand.","start":643.055,"end":645.15497,"sentiment":"neutral","sentiment_score":-0.07113479958339171},{"text":"Okay.","start":698.415,"end":698.915,"sentiment":"neutral","sentiment_score":0.21764810383319855},{"text":"Yeah.","start":700.57495,"end":701.07495,"sentiment":"neutral","sentiment_score":0.11365392804145812},{"text":"If I want is is salary sacrifice hard to set up if I want to put more?","start":702.86,"end":708.56,"sentiment":"neutral","sentiment_score":-0.061384120627361184}],"sentiment":"neutral","sentiment_score":-0.017234522267244756,"num_words":32,"start":642.65497,"end":708.56},{"sentences":[{"text":"Yeah.","start":784.14496,"end":784.38495,"sentiment":"neutral","sentiment_score":0.14598049223423004},{"text":"Okay.","start":784.38495,"end":784.88495,"sentiment":"neutral","sentiment_score":0.16135446727275848},{"text":"I think well, I think I'll just get through this separation part, and then I'll look at that.","start":790.35,"end":795.49,"sentiment":"neutral","sentiment_score":0.08959493165214856},{"text":"And sorry.","start":817.95,"end":820.99,"sentiment":"neutral","sentiment_score":-0.06405047327280045},{"text":"Have we stopped so I don't wanna keep giving my extra half half my pay half my Uber.","start":820.99,"end":827.25,"sentiment":"negative","sentiment_score":-0.3435698201258977}],"sentiment":"neutral","sentiment_score":-0.10980784948915243,"num_words":40,"start":784.14496,"end":827.25},{"sentences":[{"text":"We stop.","start":827.87,"end":828.61,"sentiment":"neutral","sentiment_score":-0.291329488158226},{"text":"Okay.","start":858.94995,"end":859.44995,"sentiment":"neutral","sentiment_score":0.23727542161941528},{"text":"Thank you.","start":859.64496,"end":860.46497,"sentiment":"positive","sentiment_score":0.3603256940841675},{"text":"Do you know how long I was paying a half full?","start":884.85,"end":888.165,"sentiment":"neutral","sentiment_score":-0.12508477473800833},{"text":"Yeah.","start":928.67505,"end":929.17505,"sentiment":"neutral","sentiment_score":0.312225878238678}],"sentiment":"neutral","sentiment_score":-0.04049640061224208,"num_words":17,"start":827.87,"end":929.17505},{"sentences":[{"text":"Alright.","start":929.875,"end":930.375,"sentiment":"neutral","sentiment_score":0.19631588459014893},{"text":"Yep.","start":930.435,"end":930.78,"sentiment":"neutral","sentiment_score":0.07573437690734863},{"text":"She sees out the out, and now she's saying she wants half my seat belt from when I was, like, 18, which I don't think is really quite fair.","start":931.58,"end":940.16003,"sentiment":"neutral","sentiment_score":-0.03596668401411895},{"text":"So I wanna keep it our way.","start":940.78,"end":949.595,"sentiment":"neutral","sentiment_score":0.26547196401017054},{"text":"There's not enough money.","start":950.375,"end":951.51495,"sentiment":"neutral","sentiment_score":-0.31098192371428013}],"sentiment":"neutral","sentiment_score":-0.0037287505166161616,"num_words":42,"start":929.875,"end":951.51495},{"sentences":[{"text":"It's like it's only Ram will be splitting up, really.","start":951.89496,"end":955.915,"sentiment":"neutral","sentiment_score":-0.2322359561920166},{"text":"But, yeah, we're gonna go to mediation soon, try and work some things out.","start":957.83997,"end":964.56,"sentiment":"neutral","sentiment_score":-0.01162331604531833},{"text":"But, man, I'm happy for half of my super flip on that she hasn't worked looking after her son, but Yeah.","start":964.56,"end":983.97,"sentiment":"positive","sentiment_score":0.3559368463853995},{"text":"See what happened.","start":995.54,"end":996.345,"sentiment":"neutral","sentiment_score":-0.08434813593824704},{"text":"No worries.","start":1016.79,"end":1017.44995,"sentiment":"neutral","sentiment_score":0.2754804790019989}],"sentiment":"neutral","sentiment_score":0.10575008675456048,"num_words":50,"start":951.89496,"end":1017.44995},{"sentences":[{"text":"I guess I don't know.","start":1037.965,"end":1039.005,"sentiment":"neutral","sentiment_score":0.033547083660960195},{"text":"I I don't.","start":1039.005,"end":1039.825,"sentiment":"neutral","sentiment_score":-0.02704698530336221},{"text":"I'm just a plumber, really.","start":1040.65,"end":1042.27,"sentiment":"neutral","sentiment_score":0.09053273275494575},{"text":"I guess I just I just wanna know someone's keeping an eye on it for me, like, doing what I should for me.","start":1044.17,"end":1053.39,"sentiment":"positive","sentiment_score":0.35364337459854456},{"text":"Yeah.","start":1104.5,"end":1104.9,"sentiment":"neutral","sentiment_score":0.21074312925338745}],"sentiment":"neutral","sentiment_score":0.24010267219430692,"num_words":37,"start":1037.965,"end":1104.9},{"sentences":[{"text":"There was something said last time I was talking these, which was sort of along the lines of someone actually, like, looking at it and changing stuff as it needs to be changed.","start":1104.9,"end":1115.615,"sentiment":"neutral","sentiment_score":0.06341095088106213},{"text":"And that was an option.","start":1116.395,"end":1117.535,"sentiment":"neutral","sentiment_score":0.11052682995796204},{"text":"I'll I'll sort of like, I've had to start with, but I know.","start":1117.675,"end":1122.84,"sentiment":"neutral","sentiment_score":0.07157207609942326},{"text":"Yeah.","start":1191.08,"end":1191.4,"sentiment":"neutral","sentiment_score":0.1494884490966797},{"text":"Okay.","start":1191.4,"end":1191.9,"sentiment":"neutral","sentiment_score":0.14605681598186493}],"sentiment":"neutral","sentiment_score":0.07304109024973411,"num_words":53,"start":1104.9,"end":1191.9},{"sentences":[{"text":"Alright.","start":1192.3849,"end":1192.8849,"sentiment":"neutral","sentiment_score":0.1464731991291046},{"text":"So this is basically gonna stay like this till the next review next year.","start":1237.8201,"end":1241.5801,"sentiment":"neutral","sentiment_score":0.13539886793919972},{"text":"Yeah.","start":1241.5801,"end":1242.0801,"sentiment":"neutral","sentiment_score":0.04421493411064148},{"text":"Okay.","start":1292.79,"end":1293.29,"sentiment":"neutral","sentiment_score":0.001771051436662674},{"text":"Alright.","start":1299.3674,"end":1299.8674,"sentiment":"neutral","sentiment_score":0.16049236059188843}],"sentiment":"neutral","sentiment_score":0.12491864980094963,"num_words":18,"start":1192.3849,"end":1299.8674},{"sentences":[{"text":"So the yearly premium is $3,007.80.","start":1348.275,"end":1351.8,"sentiment":"neutral","sentiment_score":0.09877145911256473},{"text":"Yeah?","start":1352.1,"end":1352.6,"sentiment":"neutral","sentiment_score":0.08698788285255432},{"text":"Yeah.","start":1357.9,"end":1358.4,"sentiment":"neutral","sentiment_score":0.10602213442325592},{"text":"Oh, I said that I thought it cost more than that.","start":1363.7001,"end":1365.86,"sentiment":"neutral","sentiment_score":-0.08010357550599358},{"text":"That's not too bad.","start":1365.86,"end":1366.875,"sentiment":"neutral","sentiment_score":0.1993562914431095}],"sentiment":"neutral","sentiment_score":0.03051846118076988,"num_words":23,"start":1348.275,"end":1366.875},{"sentences":[{"text":"So that's that's good.","start":1366.875,"end":1372.425,"sentiment":"positive","sentiment_score":0.41394292563199997},{"text":"Yes.","start":1411.285,"end":1411.53,"sentiment":"neutral","sentiment_score":0.15012377500534058},{"text":"Yep.","start":1413.4501,"end":1413.9501,"sentiment":"neutral","sentiment_score":0.15482370555400848},{"text":"Yeah.","start":1448.2101,"end":1448.7101,"sentiment":"neutral","sentiment_score":0.15439653396606445},{"text":"Okay.","start":1448.77,"end":1449.27,"sentiment":"neutral","sentiment_score":0.17991098761558533}],"sentiment":"neutral","sentiment_score":0.28687833808362484,"num_words":8,"start":1366.875,"end":1449.27},{"sentences":[{"text":"This this thing happens to some whatever trauma cover, like, I can just claim this to keep me going while I'm doing whatever else.","start":1489.245,"end":1497.9601,"sentiment":"neutral","sentiment_score":0.010955200996249914},{"text":"Okay.","start":1535.36,"end":1535.86,"sentiment":"neutral","sentiment_score":-0.00600219052284956},{"text":"Wrong.","start":1544.345,"end":1544.845,"sentiment":"neutral","sentiment_score":-0.12161468714475632},{"text":"Okay.","start":1545.545,"end":1546.045,"sentiment":"neutral","sentiment_score":-0.02148370072245598},{"text":"It's really only 13 or $14 a week, isn't it?","start":1586.31,"end":1589.03,"sentiment":"neutral","sentiment_score":0.016579710226505995}],"sentiment":"neutral","sentiment_score":0.0075573337239188115,"num_words":37,"start":1489.245,"end":1589.03},{"sentences":[{"text":"It's not really that much.","start":1589.03,"end":1590.41,"sentiment":"neutral","sentiment_score":-0.08901680707931518},{"text":"Yeah.","start":1610.65,"end":1611.15,"sentiment":"neutral","sentiment_score":0.06834576278924942},{"text":"Yeah.","start":1624.3049,"end":1624.465,"sentiment":"neutral","sentiment_score":0.0021533723920583725},{"text":"I think yeah.","start":1624.465,"end":1630.865,"sentiment":"neutral","sentiment_score":0.0227561400582393},{"text":"I think I'll go with that.","start":1630.865,"end":1631.985,"sentiment":"neutral","sentiment_score":0.09046350171168645}],"sentiment":"neutral","sentiment_score":0.01477903313934803,"num_words":16,"start":1589.03,"end":1631.985},{"sentences":[{"text":"That sounds good.","start":1631.985,"end":1633.0449,"sentiment":"positive","sentiment_score":0.3757951060930888},{"text":"Alright.","start":1688.355,"end":1688.855,"sentiment":"positive","sentiment_score":0.4071284532546997},{"text":"Yeah.","start":1720.445,"end":1720.845,"sentiment":"neutral","sentiment_score":0.03433751314878464},{"text":"Yeah.","start":1720.845,"end":1721.345,"sentiment":"neutral","sentiment_score":0.046800486743450165},{"text":"I'm going to Office Works.","start":1721.965,"end":1724.205,"sentiment":"neutral","sentiment_score":0.27054416537284853}],"sentiment":"neutral","sentiment_score":0.2698520543900403,"num_words":11,"start":1631.985,"end":1724.205},{"sentences":[{"text":"We won't be able to print all this out.","start":1724.205,"end":1725.8049,"sentiment":"neutral","sentiment_score":0.02670086154507266},{"text":"I'll just I struggle reading off screen.","start":1725.8049,"end":1737.26,"sentiment":"neutral","sentiment_score":-0.04950125967817647},{"text":"Yeah.","start":1744.075,"end":1744.3949,"sentiment":"neutral","sentiment_score":0.05285160988569259},{"text":"That'll be better because I I just my eyes are a bit funny and I'm reading all the stuff properly and it was on paper for some reason.","start":1744.3949,"end":1751.615,"sentiment":"neutral","sentiment_score":-0.18007997197232076},{"text":"Okay.","start":1794.68,"end":1795.18,"sentiment":"neutral","sentiment_score":0.17120058834552765}],"sentiment":"neutral","sentiment_score":-0.10705191480076831,"num_words":46,"start":1724.205,"end":1795.18},{"sentences":[{"text":"No worries.","start":1795.24,"end":1795.98,"sentiment":"neutral","sentiment_score":0.2258036732673645},{"text":"Alright.","start":1809.035,"end":1809.535,"sentiment":"positive","sentiment_score":0.39798760414123535},{"text":"Thank you.","start":1809.595,"end":1810.335,"sentiment":"positive","sentiment_score":0.5630345642566681},{"text":"Thanks.","start":1812.875,"end":1813.275,"sentiment":"positive","sentiment_score":0.4536365270614624},{"text":"Bye.","start":1813.275,"end":1813.775,"sentiment":"neutral","sentiment_score":0.2558060586452484}],"sentiment":"positive","sentiment_score":0.3835866664137159,"num_words":7,"start":1795.24,"end":1813.775}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon, Xavier. It's Veronica. How are you?\n\nChannel 1: Good. Thanks. How are you doing?\n\nChannel 0: Yeah. Good. Thanks for calling me back.\n\nChannel 1: That's alright. I just need to check on vacuuming.\n\nChannel 0: No. No. That's alright. I had you booked in today just to kinda obviously go through and finalizing and consolidating everything for you now and everything is sorted with your me and everything. Do you still have time to go through that?\n\nChannel 1: Yeah. That's till five.\n\nChannel 0: Yep. That's fine. I can do it in that time frame for you.\n\nChannel 1: My son's coming over at five.\n\nChannel 0: Yeah. No. Now I do know as well that my colleague Jacob mentioned that you and Natalie are separating.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So I'm obviously sorry sorry to hear that. And I guess moving forward just for your reference as well. So just to make sure there's no conflict, I won't be able to look after both of you. So if we're doing, you know, advice today and you are happy with that and everything, then I can keep servicing you.\n\nThat's no problem. And if Natalie will just have to speak to one of my colleague just to keep it completely separate because otherwise, I can't do, obviously, best interest for both of you, if that makes sense.\n\nChannel 1: Yeah. That's fine. That's fine.\n\nChannel 0: Yep. Yep. Perfect. Now if anything has changed in terms of your goals and everything like that as we're going through things, just let me know, especially with the insurances. Now when it comes to the insurances as well, it's always I say it's always better to apply for a little bit more as well if if that, you know, the mortgage and stuff will change because it's super easy to reduce it.\n\nBecause the insurer's taking on less risk, it's just a quick form to reduce it. It is harder to to increase it. So if anything has changed in terms of what you\n\nChannel 1: We're\n\nChannel 0: want\n\nChannel 1: gonna sell the house, so\n\nChannel 0: yep.\n\nChannel 1: I think it's just still pretty insurance the same. But\n\nChannel 0: Yep. Okay. So we'll leave\n\nChannel 1: for\n\nChannel 0: it\n\nChannel 1: now,\n\nChannel 0: for\n\nChannel 1: we're gonna\n\nChannel 0: now.\n\nChannel 1: sell the house and rent. So we'll just leave it as it is for now.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: And and that's easy because then it's like if you do have less, obviously, debt moving forward, you do have more cover if something were to happen. And when things are a bit, you know, more settled for you, we can always reduce the cover if you feel like you don't need as much anymore. That's very easy. Does that make sense?\n\nChannel 1: Yeah. That just reduced my premiums. Yep.\n\nChannel 0: Exactly. Yes. Now I have just sent you an email with the recommendation to go through. Do you have access to your emails at the moment or not really right now?\n\nChannel 1: I'm on my phone. Hold on a second.\n\nChannel 0: That's\n\nChannel 1: I'm gonna\n\nChannel 0: okay.\n\nChannel 1: get on my phone. If you don't speak, I can get on my phone. Hold on.\n\nChannel 0: Yeah. If you can, that would be good. But if not, I can always run it through with you. And then if it's easier for you to do it later, you can always have a read over it when you have a bit more time and access through it. It's completely up to you.\n\nChannel 1: I got you on speaker now. I'll just go to the email. I'll\n\nChannel 0: Yep.\n\nChannel 1: drop out.\n\nChannel 0: I'll I'll call you back.\n\nChannel 1: Where is the call? Yep. I got it.\n\nChannel 0: Yep. K. Perfect. So we have changed the software a little bit, so it might look a bit different. But in the email, if you click on the link where it says sign out, it will get you to open the document, but they won't get you to sign anything right away.\n\nBefore you click on the link, you will see a couple of attachments as well. That's all your research materials. So I won't go through all of that with the Excel. Otherwise, I'll keep you here for a while. But that's essentially where all the research and everything is accumulated and the investments and stuff like that.\n\nThat's where that all is. But if you can just click on the link for me, and it should open up where it says statement of advice.\n\nChannel 1: Just sign document. Is that your name?\n\nChannel 0: Yes. Sorry. It'll get you to click on the link, but it won't ask you to sign anything first. It just allows you to open the document.\n\nChannel 1: Just wanna use my location. Yeah. Statement of advice, compared to David Hammond.\n\nChannel 0: Yes. That's it. Perfect. Now you are a little bit faint. So just if I can't hear you properly, just just let me know if I do talk over to you or anything like that.\n\nChannel 1: I'm not having my finger over this volume. Is that better?\n\nChannel 0: That is a little bit better. Thank you. Now like I said, I'll try to make it really quick for you. We have gone through kind of this before. And so a lot of it is just for for compliance.\n\nBut, essentially, what we are looking at today is to get everything sorted and finalized and consolidated for you and get those insurances sorted. Now as per last time, always have to follow that this interest duty, which is outlined on page two, which is that we have to always act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, I cannot actually make the recommendation. Does that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Now as you scroll through, again, I'll try to make it quick for you. Like I said, what we are looking at today is your superannuation, reviewing your superannuation to see if we can get it consolidated. I also looked at your investments to see because, obviously, things in the last twelve months have fluctuated a little bit, and there's been a lot going on in the world.\n\nSo we've done I've done some recommendations and updating some of those investments for you, which I will go through. Otherwise, just trying to get those insurances sorted for you, which is essentially what we are looking at today. So if you could do me a favor and scroll down through page. Let me see here, 16 where it says see comparison. Just let me know when you can see that page.\n\nPage yeah. Is it the 16 or 17 if you account the cover page, but it should say fee comparison table.\n\nChannel 1: Yes.\n\nChannel 0: Yep. You can see that. Now I have researched both your superannuation, so both Basque and Hub twenty four and also other providers. Again, just to make sure Hub twenty four is still going to be the best option for you because there are always, you know, new products and features that do come out. So that's not to say it's always going to be, so that is important for us to keep researching.\n\nBut from all of that, Hub twenty four still very much is the best recommendation when it comes through, you know, the fees, the investment choices in comparison to a lot of their similar options. So I have recommended that you stay in hub twenty four. Now I did consider just keeping you in Basque and rolling over to Basque if that was going to be better for you. But because of the limitation on the investment option in Basque, I couldn't achieve the same investment return as I can in Hub twenty four. So I have recommended that we completely consolidate everything into Hub twenty four to make it nice and easy and also updating some of those investments.\n\nAnd by doing it, you can see that the total cost has actually been reduced. So even though from an administration point of view, Bastia is a little bit cheaper than hub twenty four, by still making the changes to your $179 per year in just fees alone. That make sense so far?\n\nChannel 1: Not really. I don't I I get what you're saying. But,\n\nChannel 0: Yep.\n\nChannel 1: yeah, how much was better than last year, basically.\n\nChannel 0: Basically, for what you what your goals are and what you are trying to achieve and trying to maximize that growth for you, yes. After doing the research, I couldn't achieve the same outcome in bus queue as I as I can in Hub twenty four. And\n\nChannel 1: What the\n\nChannel 0: basic\n\nChannel 1: heck on vacation? Is that how much super I get\n\nChannel 0: so net contribution is how much super you get per year from your employer after tax. So\n\nChannel 1: a year?\n\nChannel 0: the tax is 15%, but, yes, the net contributions is your employer contributions after tax that they pay.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Now this here as well also includes the insurance premium, which I will go through the new policy for you. I have been able to do so. When you are swapping and selling some investments, there are sometimes capital gains tax associated with it. But the way that we have swapped your investments, there is no trigger in capital gains tax, which is great.\n\nChannel 1: Yeah.\n\nChannel 0: Now when it comes to the performance, so the difference between them, you can see there at the bottom, it says a five year rolling average. So the the kind of updated recommended portfolio in hub '24. And because, also, you don't have the plus q anymore, and that had underperformed a little bit. The the new recommended portfolio consolidated has performed a little bit better when we are looking at that five year rolling average time frame. But what I have also done on the following page, the page 17 or 18, you can see a twelve month, three year, and five year as well.\n\nCan you see that?\n\nChannel 1: Yeah. Yeah. The five\n\nChannel 0: Yep.\n\nChannel 1: percent.\n\nChannel 0: Exactly. Just to show you a bit more of that the recommended across both the twelve months, the three years, and five years has kind of outperformed in all categories as well, which which is good, and it's a little bit cheaper.\n\nChannel 1: Yeah. That's good. In the ten years, I'm not gonna show up a grand.\n\nChannel 0: In ten years? Exactly. So by making the change. That is assuming everything stays the same. So your contribution stays the same.\n\nIf you get a pay rise and you earn more, then your employer is gonna put more in, which is gonna compound. But then, also, there is no, obviously, guarantee when it comes to the performances. We can't guarantee anything. But that is why we use a five year rolling average when we calculate the projection to give you a bit more, you know, certainty over a a longer period of time of what actually happened. Then let's say if I used a three year, as you can see, it has performed a lot better, but that's only a three year time frame.\n\nSo using that five year gives us a little bit more certainty of how the portfolio has performed, but then also the market as well.\n\nChannel 1: Okay.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: If I want is is salary sacrifice hard to set up if I want\n\nChannel 0: No.\n\nChannel 1: to put more?\n\nChannel 0: No. No. Definitely not. So if you want it through salary sacrifice, you could literally just let either you can go directly to employer because they set it up for you and say, hey. I wanna put in x amount per week or fortnightly or monthly depending on how you get paid, and they will do that for you.\n\nYou can always just send me an email otherwise of how much you are looking at doing. I would say that's the better way just so that I can run the numbers for you. Because there is a cap space on how much you can put in to get the tax effective, which is 30,000 per financial year. If you exceed that, you're not gonna have the same tax benefit, and you also have to pay a little bit more. So I would say it's always better if if you know how much you want to do, Email me and say, hey.\n\nI would like to put in $100 a week, a $100 a month, or whatever it might be, and then I can send you do the math for you just to make sure you stay under the contribution cap. And then I can draft a letter, and then you can just forward out to your employer to say that you would like to start salary sacrificing, you know, assuming you see under the cap. And in that email, I can always put as well how much that changes your take home pay as well as your tax savings to make it easy.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yeah. Probably a long winded answer, but, yes, we can definitely help that.\n\nChannel 1: I think well, I think I'll just get through this separation part, and\n\nChannel 0: Yep.\n\nChannel 1: then I'll look\n\nChannel 0: We\n\nChannel 1: at that.\n\nChannel 0: can reassess. Yep. That sounds good. And you can just even email me or call and say, hi. We like to look at reassessing that now.\n\nAnd you can like I said, you can either just email me and say, hey. This is how much I'm looking at, or you can give me a call and we can talk through, you know, different options and figures and stuff for you. But I'll make a little note that it is something we wanna look at, you know, in in the near future.\n\nChannel 1: And\n\nChannel 0: And, obviously, if yeah.\n\nChannel 1: sorry. Have we stopped so I don't wanna keep giving my extra half half my pay half my Uber.\n\nChannel 0: Yes.\n\nChannel 1: We\n\nChannel 0: No.\n\nChannel 1: stop.\n\nChannel 0: We're not doing that. Yep. We're not doing that. Yep. I know that was and, also, I'll make a note to the team through like, on Hub twenty four.\n\nSo we don't have family linking. So, obviously, you can use the information and stuff like that. So that's all been sorted for you as well. And I've taken off the eTPA on the account that you guys can call up and ask each other's behalf as well. So that's taken off.\n\nSo it's completely separated.\n\nChannel 1: Okay. Thank\n\nChannel 0: Yep.\n\nChannel 1: you.\n\nChannel 0: No. That's okay. Yeah. No. Good.\n\nNo. Definitely. As soon as Jacob told me that. And, usually, with the contributions playing because you kind of do it, like, as a as a lump sum throughout as well, it's something we would even reassess and confirm with you before doing it because you can do it at different times. But, no, we haven't done that.\n\nYeah. Sorry. That's all that's all with you, and we don't we've canceled that moving forward as well.\n\nChannel 1: Do you know how long I was paying a half full?\n\nChannel 0: I don't think I'll triple check, but I don't think we actually did much of it at all, if any, because when how it works is that you can do it in a lump sum before the end of the financial year. So that's typically when we would do a bit of a lump sum before the end of the financial year. And because that hasn't happened yet, there was a reminder for my colleague, Jack, who I think you've spoken with a few times in regards to insurances to to reach out and do that transfer for you in a month or so. But because, obviously, your situation has changed, I've canceled that, and we haven't actually processed it yet, which is\n\nChannel 1: Yeah.\n\nChannel 0: good.\n\nChannel 1: Alright.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. She sees\n\nChannel 0: I know.\n\nChannel 1: out the out, and now she's saying she wants half my seat belt from when I was, like, 18, which I don't think is really\n\nChannel 0: Yeah.\n\nChannel 1: quite fair.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Do you have a, like, a good lawyer and stuff that you you are working with or that's helping you\n\nChannel 1: I wanna\n\nChannel 0: with anything?\n\nChannel 1: keep it our way. There's not\n\nChannel 0: Okay.\n\nChannel 1: enough money. It's like\n\nChannel 0: Yeah.\n\nChannel 1: it's only Ram will be splitting up, really.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: But,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, we're gonna go to mediation soon, try and work some things out. But,\n\nChannel 0: Yeah.\n\nChannel 1: man, I'm happy for half of my super flip on that she hasn't worked looking after her son,\n\nChannel 0: Yeah. Yeah. And that's kind of you as well to be like, okay. Well, while you were off work and that's often what I'm hearing from from people as well. It's like, well, while you were off work looking after\n\nChannel 1: but\n\nChannel 0: our baby and I was\n\nChannel 1: Yeah.\n\nChannel 0: working, that's fair. But before then yeah. I'll leave that to to you guys, but I can see your reasoning behind behind that.\n\nChannel 1: See what happened.\n\nChannel 0: Yeah. Yeah. Let me know as well if there's any, you know, drastic changes or anything, but we will get notified if there is a request or, like, a rollover or anything like that if it comes to it later. So just kind of keep me in the loop if, you know, there is anything that does change with your super as well.\n\nChannel 1: No worries.\n\nChannel 0: Perfect. Now I know you only have about a couple more minutes. So before I kind of jump into insurances quickly, do you have any questions in regards to, you know, the super or anything like that, or it's, you know, pretty straightforward?\n\nChannel 1: I guess I don't know. I I don't. I'm just a plumber, really.\n\nChannel 0: So that's also\n\nChannel 1: I guess\n\nChannel 0: why you speak to us so you don't have to worry about it.\n\nChannel 1: I just I just wanna know someone's keeping an eye on it for me, like, doing what\n\nChannel 0: Yeah.\n\nChannel 1: I should for me.\n\nChannel 0: Yeah. Yeah. And and that's how it is because it's like it takes you don't have to worry about it, and we'll obviously do annual reviews every twelve months. If you want more catch ups to see if you want more, we can do it six monthly or or quarterly as well. It's completely up to how much contact you would want.\n\nAnd we always give you updates on, you know, what's happening, keeping a look at even for, like, the newsletters and stuff, which sometimes gives a a good update of what is going on. But, otherwise, our job is literally through, you know, manage and look after your superannuation, and we always have to, you know, act in your best interest when we do anything. And we can't just go ahead and make changes without your approval or anything like that. But, obviously, it's it's our job through you to do all the research and make sure that we have you in the best option and position for your retirement. So that is not something you have to worry about.\n\nChannel 1: Yeah. There was something said last time I was talking these, which was sort of along the lines of someone actually, like, looking at it and changing stuff as it needs to be changed. And that was an\n\nChannel 0: Yes.\n\nChannel 1: option. I'll I'll sort of like, I've had to start with, but\n\nChannel 0: Yes. Yes. I did\n\nChannel 1: I know.\n\nChannel 0: look at that as part of the research for you, which is the the SMA, so a self managed account, which we recently launched with BlackRock. So I consider that as part of the research for you. And at the moment, when I did all the numbers and all the research, the portfolio in Hub 24 that I have recommended has performed a little bit better historically than the SMA currently, and it's also cheaper for you. So the SMA was a little bit more expensive and hadn't performed as well up to this point. That's not so, therefore, I didn't recommend it because I couldn't justify that that was going to be better for you than the recommendation I have made.\n\nThat's not to say that things might change, and we might be able to move that through the SMA because the the positive thing with the SMA is that we can very quickly make those changes. We still research and do those changes for you anyway. It would just mean that I would run through the changes with you, and you would assign a document to say that you are happy with the change, and then I can go ahead and make it. That's basically the difference.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Alright.\n\nChannel 0: But, yes, it's something we're always reviewing. Now I know you only have a couple more minutes, so I will leave leave the superside for you. Investments, when you have a look at it, which is paid to 19, I have made a couple of changes in regards to the investment. Nothing drastic just to improve the returns and the the fees for you a little bit. It is still very diversified, and the philosophy and everything stays the same.\n\nIt is literally just swapping some that wasn't performing as well, the true and better option. If it is something you wanna go through in more detail with me later, just let me know. I'm more than happy to do so. But, otherwise, I have sent you investment links so you can have a look at it as well because I know you don't have too much more time with me.\n\nChannel 1: So this is basically gonna stay like this till the next review next year. Yeah.\n\nChannel 0: Unless we contact you to say that, hey. We're doing research, and we foresee this investment changing, then I'll contact you and say, hey. I would like to look at swapping, you know, let's say you have one in Japan. Let's say we foresee something happening in Japan and that's not going to do well, I will then contact you and say, hey. I would like to look at changing this investment, you know, based on the research and everything that we do, and then we'll obviously do those changes throughout the year.\n\nBut if there's no, you know, drastic changes or anything, and lot lot of it is also build up for long term growth. So it can, you know, withstand those short term fluctuations and cyclical trends in the market. And then, yes, otherwise, things will stay until\n\nChannel 1: Okay.\n\nChannel 0: next annual review or unless you call me and say that you wanna change anything or review anything.\n\nChannel 1: Alright.\n\nChannel 0: Yep. Now with your insurances, I do quickly wanna run through that with you, which is page 21. I'll tryna be quick because we have gone through most of how the insurance functions and everything like that last time, but I have actually recommended a new insurer. So same amount. So page 21, same million dollar life and TTD.\n\nLike I said, once everything gets settled, if you feel like you don't need as much anymore, we can easily reduce it, which will mean the premium gets cheaper. But then at least in the meantime, you do have, you know, a lot of especially that TCD. Because if something were to happen to you, you will need potentially a bit more of that income replacement to help you get through as well.\n\nChannel 1: So the yearly premium is $3,007.80. Yeah?\n\nChannel 0: Correct. Yes. And that is for all three.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Sorry. What was that, Xavier?\n\nChannel 1: Oh, I said that I thought it cost more than that. That's not too bad. So\n\nChannel 0: Yeah. And especially, for the\n\nChannel 1: that's\n\nChannel 0: level\n\nChannel 1: that's good.\n\nChannel 0: of cover. I because you're quite young, still The insurance point of you usually, the older you get, the more expensive they get because you can have, you know, more health issues and stuff like that. So for a million dollar worth of cover for life and TPD as well as an income protection, and the income protection, because your income is quite high, it will pay pay you that monthly benefit amount of 9,917 per month. I've also added a benefit that if you are on claim, you will continue to get contributions added to your superannuation even though you will not be working for the duration of the claim. So\n\nChannel 1: Yes.\n\nChannel 0: does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Thirty day waiting period, five year benefit periods are similar to last time. The the added kind of benefit with Zurich is that they pay fifteen days in arrears. There's only two providers who do that, which is Zurich on one path, every single else through thirty days in arrears, which will mean that you'll get to claim quicker on Zurich policy.\n\nIf something were to happen, you'll be able to get that benefit paid to you quicker than with other providers, which is good. And they just do that built in.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yeah. Perfect. Now when you read through the document, when you have some time, there are a bit more information in regards to the policy, all the advantages. In regards to it, I've also included a PDF. So everything you need to know about your Zurich insurances there for you.\n\nIf you have any questions, let me know. Otherwise, in terms of inclusions and features, it's very similar to the other provider that I spoke to you about last time. But when I run the numbers this time, it still came out a little bit more competitive in price as well as still having the the same features. So that's really good. Made it a little bit cheaper.\n\nAnd I\n\nChannel 1: This\n\nChannel 0: do wanna just yeah.\n\nChannel 1: this thing happens to some whatever trauma cover, like, I can just claim this to keep me going while I'm doing whatever else.\n\nChannel 0: So income protection is if you're unable to work temporarily. So, yes, trauma, which is on the page 22, I have recommended the trauma for you again, at a 150,000. Now that is a separate policy. The trauma is if you suffer any of those traumatic events, like cancer, stroke, heart attack, neurological condition, that is not dependent on you working at all. So you could still be working and earning an income if you get a diagnosis.\n\nThat's when you will get paid the 150,000 completely tax free to your back pocket. So this\n\nChannel 1: Okay.\n\nChannel 0: policy is out of pocket. So the monthly premium is $52.65.\n\nChannel 1: Wrong. Okay.\n\nChannel 0: So, obviously, have a think about cash flow and stuff like that. Again, if you say, okay. I'll I'll happy to start with the trauma and start with everything, and something changes with your cash flow when you have, you know, a better understanding of rental expenses or anything like that and you go, no. I I don't wanna pay for out of pocket anymore. We can just cancel it.\n\nIt's really easy to cancel if you change your mind. But, again, obviously, I'll let you think about it. But it's $53.65 per month, and that gives you a 150,000 worth of trauma as well as an added 150,000 worth of life just to make your your policy cheaper. That's it.\n\nChannel 1: It's really only 13 or $14 a week, isn't it? It's not really\n\nChannel 0: It's\n\nChannel 1: that much.\n\nChannel 0: not it's not that much at all. And I typically say as well that if you have yeah. It's $13.16 a week. That if you have the cash flow, it is one of those policies we see claimed on the most because you don't have to prove that you're unable to go back to work. If you just get a diagnosis that's on there, you will get paid out,\n\nChannel 1: Yeah.\n\nChannel 0: and it's tax free. So it is a really good policy to have. But usually for people, the sticky point is having the cash flow because you can't pay for it out of the.\n\nChannel 1: Yeah.\n\nChannel 0: But\n\nChannel 1: I\n\nChannel 0: yes.\n\nChannel 1: think\n\nChannel 0: Yes, sir. Mhmm. What was that? Sorry.\n\nChannel 1: yeah. I think I'll go with that. That sounds good.\n\nChannel 0: Yep. Yep. Perfect. Now I know you have to go, so I won't go through the rest with you. Have a read over it.\n\nI know we've spoke kind of about the other bits and pieces. If you have any questions in regards to any any of the rest, just let me know. Otherwise, from here, if you do, you know, decide that you would like to go ahead with the change, so to consolidate, update your investment, and apply for the insurances, And there is absolutely no changes in regards to the fee. So you're not paying any more through to do the the change. It is all part of the advice service fee, which is that 1.1 form due graduation.\n\nThere is no increases or anything like that. It stays exactly the same. It's just part of the service. Yeah. And that's, again, if we do this a couple of times or when your situation change, again, there is no additional fees or charges.\n\nIt's all part of the ongoing advice\n\nChannel 1: Alright.\n\nChannel 0: Perfect. I do wanna mention one last thing, which is just your Zurich premium. It is outlined on the remuneration section. That is not you paying that, though. It is Zurich paying us.\n\nAnd, again, it's exactly the same breakdown split with all the insurers out there and for every single adviser, so it doesn't pay us in any way. But for compliance purposes, we have to disclose it so you are fully aware of everything. But if you see it, that is not you paying those insurances, that is you're paying us. Does that make sense, Javier?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I'm\n\nChannel 0: Great.\n\nChannel 1: going to Office Works. We won't be able to print all this out. I'll just I struggle reading off\n\nChannel 0: Yes. I can just get the oh, yes. Yep. Yep. I was gonna say, I can get them to email you, but that doesn't really that doesn't really work.\n\nYeah. Do that.\n\nChannel 1: screen.\n\nChannel 0: Would you like us to send it to you in an email as well if it's easier to to download and print it?\n\nChannel 1: Yeah. That'll be better because\n\nChannel 0: Yes?\n\nChannel 1: I I just my eyes\n\nChannel 0: Hello?\n\nChannel 1: are a bit funny and I'm reading all the stuff properly and it was on paper for some reason.\n\nChannel 0: Yeah. No. That is no problem. I will get the the team through email you or, actually, I'll just do because most of them have left for the day. I'll just send you an email shortly with the attachment, and then you can print it and have a read over it.\n\nIt is still valid for a a bit of time as well. So you do have about thirty days or so to have a read over it and, you know, decide what you would like to do, so no rush. If you have any questions when you print it out, though, that we didn't have a chance to go through today, just send me an email or or give the office a call, and we can always book you in for a bit of a follow-up to to go through that for you.\n\nChannel 1: Okay. No worries.\n\nChannel 0: Okay. No worries. Thank you so much for your time this afternoon, Xavier. And anything you need, just let me know. And I hope everything goes well, otherwise, for you, and I look forward to hearing from you soon again.\n\nChannel 1: Alright. Thank you.\n\nChannel 0: No problem. We'll speak soon.\n\nChannel 1: Thanks. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Xavier.","start":1.04,"end":2.1599998,"sentiment":"positive","sentiment_score":0.3863766094048818},{"text":"It's Veronica.","start":2.1599998,"end":2.8999999,"sentiment":"neutral","sentiment_score":0.25006894767284393},{"text":"How are you?","start":2.96,"end":3.78,"sentiment":"neutral","sentiment_score":0.2623547613620758}],"sentiment":"neutral","sentiment_score":0.3057915009558201,"channel":0,"num_words":8,"start":1.04,"end":3.78},{"sentences":[{"text":"Good.","start":4.3199997,"end":4.56,"sentiment":"positive","sentiment_score":0.5278967618942261},{"text":"Thanks.","start":4.56,"end":4.88,"sentiment":"positive","sentiment_score":0.5602867603302002},{"text":"How are you doing?","start":4.88,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.2962617799639702}],"sentiment":"positive","sentiment_score":0.37887177368005115,"channel":1,"num_words":6,"start":4.3199997,"end":5.7799997},{"sentences":[{"text":"Yeah.","start":6.16,"end":6.56,"sentiment":"neutral","sentiment_score":0.24337449669837952},{"text":"Good.","start":6.56,"end":6.96,"sentiment":"positive","sentiment_score":0.5042971968650818},{"text":"Thanks for calling me back.","start":6.96,"end":8.5,"sentiment":"positive","sentiment_score":0.5798083066940307}],"sentiment":"positive","sentiment_score":0.5209590324333736,"channel":0,"num_words":7,"start":6.16,"end":8.5},{"sentences":[{"text":"That's alright.","start":9.44,"end":10.24,"sentiment":"neutral","sentiment_score":0.2444377988576889},{"text":"I just need to check on vacuuming.","start":10.24,"end":12.74,"sentiment":"neutral","sentiment_score":0.03520883885877473}],"sentiment":"neutral","sentiment_score":0.08170416330297788,"channel":1,"num_words":9,"start":9.44,"end":12.74},{"sentences":[{"text":"No.","start":12.639999,"end":13.139999,"sentiment":"neutral","sentiment_score":-0.06802914291620255},{"text":"No.","start":13.594999,"end":13.835,"sentiment":"neutral","sentiment_score":-0.06824861466884613},{"text":"That's alright.","start":13.835,"end":14.815,"sentiment":"neutral","sentiment_score":0.019268034026026726},{"text":"I had you booked in today just to kinda obviously go through and finalizing and consolidating everything for you now and everything is sorted with your me and everything.","start":15.914999,"end":26.414999,"sentiment":"neutral","sentiment_score":0.11485053290580881},{"text":"Do you still have time to go through 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location.","start":251.87,"end":253.41,"sentiment":"neutral","sentiment_score":0.0404635913670063},{"text":"Yeah.","start":258.625,"end":258.865,"sentiment":"neutral","sentiment_score":0.04354541376233101},{"text":"Statement of advice, compared to David Hammond.","start":258.865,"end":261.925,"sentiment":"neutral","sentiment_score":0.05005133418100221}],"sentiment":"neutral","sentiment_score":0.045863285374182924,"channel":1,"num_words":13,"start":251.87,"end":261.925},{"sentences":[{"text":"Yes.","start":262.57498,"end":263.07498,"sentiment":"neutral","sentiment_score":0.0747160091996193},{"text":"That's it.","start":263.135,"end":263.695,"sentiment":"neutral","sentiment_score":0.10670702904462814},{"text":"Perfect.","start":263.695,"end":264.195,"sentiment":"positive","sentiment_score":0.443293571472168},{"text":"Now you are a little bit faint.","start":264.895,"end":266.595,"sentiment":"neutral","sentiment_score":-0.08819285993065153},{"text":"So just if I can't hear you properly, just just let me know if I do talk over to you or anything like that.","start":266.735,"end":274.755,"sentiment":"neutral","sentiment_score":-0.08406369745110472}],"sentiment":"neutral","sentiment_score":-0.05438443198800087,"channel":0,"num_words":35,"start":262.57498,"end":274.755},{"sentences":[{"text":"I'm not having my finger over this volume.","start":275.31998,"end":277.87997,"sentiment":"neutral","sentiment_score":-0.230947682633996},{"text":"Is that better?","start":277.87997,"end":278.69998,"sentiment":"neutral","sentiment_score":-0.05505570645133654}],"sentiment":"neutral","sentiment_score":-0.18297714367508888,"channel":1,"num_words":11,"start":275.31998,"end":278.69998},{"sentences":[{"text":"That is a little bit better.","start":279.09,"end":280.21,"sentiment":"neutral","sentiment_score":0.10443421329061191},{"text":"Thank you.","start":280.21,"end":280.94998,"sentiment":"positive","sentiment_score":0.4990486204624176},{"text":"Now like I said, I'll try to make it really quick for you.","start":282.37,"end":284.69,"sentiment":"neutral","sentiment_score":0.3190245834680704},{"text":"We have gone through kind of this before.","start":284.69,"end":286.62997,"sentiment":"neutral","sentiment_score":0.18504341319203377},{"text":"And so a lot of it is just for for compliance.","start":286.975,"end":289.23502,"sentiment":"neutral","sentiment_score":0.10455999726598914}],"sentiment":"neutral","sentiment_score":0.2100632345303893,"channel":0,"num_words":40,"start":279.09,"end":289.23502},{"sentences":[{"text":"But, essentially, what we are looking at today is to get everything sorted and finalized and consolidated for you and get those insurances sorted.","start":289.375,"end":297.95502,"sentiment":"neutral","sentiment_score":0.22036741922299066},{"text":"Now as per last time, always have to follow that this interest duty, which is outlined on page two, which is that we have to always act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice.","start":299.05002,"end":315.495,"sentiment":"neutral","sentiment_score":0.15589330603296941},{"text":"Otherwise, I cannot actually make the recommendation.","start":315.635,"end":317.815,"sentiment":"neutral","sentiment_score":-0.18233165570667811},{"text":"Does that make sense?","start":318.115,"end":319.255,"sentiment":"neutral","sentiment_score":-0.026598913595080376}],"sentiment":"neutral","sentiment_score":0.1380753187441278,"channel":0,"num_words":87,"start":289.375,"end":319.255},{"sentences":[{"text":"Yeah.","start":323.16498,"end":323.66498,"sentiment":"neutral","sentiment_score":0.10091248154640198}],"sentiment":"neutral","sentiment_score":0.10091248154640198,"channel":1,"num_words":1,"start":323.16498,"end":323.66498},{"sentences":[{"text":"Yep.","start":324.05002,"end":324.53,"sentiment":"neutral","sentiment_score":0.17792609333992004},{"text":"Perfect.","start":324.53,"end":325.03,"sentiment":"positive","sentiment_score":0.34764406085014343},{"text":"Now as you scroll through, again, I'll try to make it quick for you.","start":325.49002,"end":330.77002,"sentiment":"neutral","sentiment_score":0.2530221843293735},{"text":"Like I said, what we are looking at today is your superannuation, reviewing your superannuation to see if we can get it consolidated.","start":330.77002,"end":337.51,"sentiment":"neutral","sentiment_score":0.17347604813783066},{"text":"I also looked at your investments to see because, obviously, things in the last twelve months have fluctuated a little bit, and there's been a lot going on in the world.","start":338.10498,"end":347.705,"sentiment":"neutral","sentiment_score":0.07488356206205583}],"sentiment":"neutral","sentiment_score":0.14827457522707327,"channel":0,"num_words":70,"start":324.05002,"end":347.705},{"sentences":[{"text":"So we've done I've done some recommendations and updating some of those investments for you, which I will go through.","start":347.705,"end":353.565,"sentiment":"neutral","sentiment_score":0.19791408590972423},{"text":"Otherwise, just trying to get those insurances sorted for you, which is essentially what we are looking at today.","start":354.16,"end":361.46,"sentiment":"neutral","sentiment_score":0.2192368546598836},{"text":"So if you could do me a favor and scroll down through page.","start":361.84,"end":367.06,"sentiment":"neutral","sentiment_score":0.11363922919218357},{"text":"Let me see here, 16 where it says see comparison.","start":367.88498,"end":375.34497,"sentiment":"neutral","sentiment_score":0.06251954659819603},{"text":"Just let me know when you can see that page.","start":391.99503,"end":394.33502,"sentiment":"neutral","sentiment_score":0.0430117292329669}],"sentiment":"neutral","sentiment_score":0.1480056207575318,"channel":0,"num_words":72,"start":347.705,"end":394.33502},{"sentences":[{"text":"Page yeah.","start":394.635,"end":395.83502,"sentiment":"neutral","sentiment_score":0.018453704193234444},{"text":"Is it the 16 or 17 if you account the cover page, but it should say fee comparison table.","start":395.83502,"end":401.855,"sentiment":"neutral","sentiment_score":0.02077699388916555}],"sentiment":"neutral","sentiment_score":0.02055572820383878,"channel":0,"num_words":21,"start":394.635,"end":401.855},{"sentences":[{"text":"Yes.","start":403.255,"end":403.755,"sentiment":"neutral","sentiment_score":0.12739786505699158}],"sentiment":"neutral","sentiment_score":0.12739786505699158,"channel":1,"num_words":1,"start":403.255,"end":403.755},{"sentences":[{"text":"Yep.","start":404.09,"end":404.49,"sentiment":"neutral","sentiment_score":0.1962313950061798},{"text":"You can see that.","start":404.49,"end":405.55,"sentiment":"neutral","sentiment_score":0.19339176267385483},{"text":"Now I have researched both your superannuation, so both Basque and Hub twenty four and also other providers.","start":406.25,"end":413.38998,"sentiment":"neutral","sentiment_score":0.24180558820565543},{"text":"Again, just to make sure Hub twenty four is still going to be the best option for you because there are always, you know, new products and features that do come out.","start":413.53,"end":422.655,"sentiment":"positive","sentiment_score":0.3950373185798526},{"text":"So that's not to say it's always going to be, so that is important for us to keep researching.","start":422.655,"end":426.67502,"sentiment":"neutral","sentiment_score":0.1903967763248243}],"sentiment":"neutral","sentiment_score":0.2916355672720316,"channel":0,"num_words":74,"start":404.09,"end":426.67502},{"sentences":[{"text":"But from all of that, Hub twenty four still very much is the best recommendation when it comes through, you know, the fees, the investment choices in comparison to a lot of their similar options.","start":427.295,"end":440.28,"sentiment":"positive","sentiment_score":0.4075649257217135},{"text":"So I have recommended that you stay in hub twenty four.","start":440.9,"end":444.68,"sentiment":"neutral","sentiment_score":0.32404379140246997},{"text":"Now I did consider just keeping you in Basque and rolling over to Basque if that was going to be better for you.","start":444.845,"end":451.825,"sentiment":"neutral","sentiment_score":0.18838136805140454},{"text":"But because of the limitation on the investment option in Basque, I couldn't achieve the same investment return as I can in Hub twenty four.","start":451.96503,"end":462.45,"sentiment":"neutral","sentiment_score":-0.17771145284175874},{"text":"So I have recommended that we completely consolidate everything into Hub twenty four to make it nice and easy and also updating some of those investments.","start":462.45,"end":473.91,"sentiment":"positive","sentiment_score":0.35704803151580006}],"sentiment":"neutral","sentiment_score":0.22502073391030233,"channel":0,"num_words":120,"start":427.295,"end":473.91},{"sentences":[{"text":"And by doing it, you can see that the total cost has actually been reduced.","start":474.45,"end":480.775,"sentiment":"positive","sentiment_score":0.5217108150323232},{"text":"So even though from an administration point of view, Bastia is a little bit cheaper than hub twenty four, by still making the changes to your $179 per year in just fees alone.","start":481.155,"end":505.02,"sentiment":"neutral","sentiment_score":0.24109003579977786},{"text":"That make sense so far?","start":506.335,"end":507.555,"sentiment":"neutral","sentiment_score":0.18327460885047914}],"sentiment":"neutral","sentiment_score":0.3150567254930172,"channel":0,"num_words":53,"start":474.45,"end":507.555},{"sentences":[{"text":"Not really.","start":509.5,"end":510.14,"sentiment":"neutral","sentiment_score":-0.04470766894519329},{"text":"I don't I I get what you're saying.","start":510.14,"end":512.0,"sentiment":"neutral","sentiment_score":-0.1180421244353056},{"text":"But,","start":512.3,"end":512.62,"sentiment":"neutral","sentiment_score":0.035031430423259735}],"sentiment":"neutral","sentiment_score":-0.09079280935905197,"channel":1,"num_words":11,"start":509.5,"end":512.62},{"sentences":[{"text":"Yep.","start":512.415,"end":512.915,"sentiment":"neutral","sentiment_score":0.1656968891620636}],"sentiment":"neutral","sentiment_score":0.1656968891620636,"channel":0,"num_words":1,"start":512.415,"end":512.915},{"sentences":[{"text":"yeah, how much was better than last year, basically.","start":512.62,"end":515.52,"sentiment":"positive","sentiment_score":0.34035494261317784}],"sentiment":"positive","sentiment_score":0.34035494261317784,"channel":1,"num_words":9,"start":512.62,"end":515.52},{"sentences":[{"text":"Basically, for what you what your goals are and what you are trying to achieve and trying to maximize that growth for you, yes.","start":516.65497,"end":524.04004,"sentiment":"positive","sentiment_score":0.42371605957547825},{"text":"After doing the research, I couldn't achieve the same outcome in bus queue as I as I can in Hub twenty four.","start":524.04004,"end":530.62006,"sentiment":"neutral","sentiment_score":-0.16245261342688042},{"text":"And","start":531.72003,"end":532.22003,"sentiment":"neutral","sentiment_score":0.02738047391176224}],"sentiment":"neutral","sentiment_score":0.1409065618794015,"channel":0,"num_words":47,"start":516.65497,"end":532.22003},{"sentences":[{"text":"What the","start":532.185,"end":532.665,"sentiment":"neutral","sentiment_score":0.01765630766749382}],"sentiment":"neutral","sentiment_score":0.01765630766749382,"channel":1,"num_words":2,"start":532.185,"end":532.665},{"sentences":[{"text":"basic","start":532.52,"end":533.02,"sentiment":"neutral","sentiment_score":0.005784958600997925}],"sentiment":"neutral","sentiment_score":0.005784958600997925,"channel":0,"num_words":1,"start":532.52,"end":533.02},{"sentences":[{"text":"heck on vacation?","start":532.665,"end":533.64496,"sentiment":"neutral","sentiment_score":0.012144695967435837},{"text":"Is that how much super I get","start":533.785,"end":535.2,"sentiment":"neutral","sentiment_score":0.04763460425393922}],"sentiment":"neutral","sentiment_score":0.03698763176798821,"channel":1,"num_words":10,"start":532.665,"end":535.2},{"sentences":[{"text":"so net contribution is how much super you get per year from your employer after tax.","start":536.065,"end":541.685,"sentiment":"neutral","sentiment_score":0.07239812123589218},{"text":"So","start":542.305,"end":542.805,"sentiment":"neutral","sentiment_score":0.055963560938835144}],"sentiment":"neutral","sentiment_score":0.07143138239488882,"channel":0,"num_words":17,"start":536.065,"end":542.805},{"sentences":[{"text":"a year?","start":542.56,"end":543.14,"sentiment":"neutral","sentiment_score":0.04449409618973732}],"sentiment":"neutral","sentiment_score":0.04449409618973732,"channel":1,"num_words":2,"start":542.56,"end":543.14},{"sentences":[{"text":"the tax is 15%, but, yes, the net contributions is your employer contributions after tax that they pay.","start":542.865,"end":552.1,"sentiment":"neutral","sentiment_score":0.09810229515035947}],"sentiment":"neutral","sentiment_score":0.09810229515035947,"channel":0,"num_words":18,"start":542.865,"end":552.1},{"sentences":[{"text":"Okay.","start":551.945,"end":552.445,"sentiment":"neutral","sentiment_score":0.07169117033481598}],"sentiment":"neutral","sentiment_score":0.07169117033481598,"channel":1,"num_words":1,"start":551.945,"end":552.445},{"sentences":[{"text":"Yep.","start":552.96,"end":553.46,"sentiment":"neutral","sentiment_score":0.024331284686923027},{"text":"Now this here as well also includes the insurance premium, which I will go through the new policy for you.","start":553.92,"end":562.1,"sentiment":"neutral","sentiment_score":0.15624266788363456},{"text":"I have been able to do so.","start":563.305,"end":565.22504,"sentiment":"positive","sentiment_score":0.4285308080060141},{"text":"When you are swapping and selling some investments, there are sometimes capital gains 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'24.","start":589.68,"end":594.505,"sentiment":"neutral","sentiment_score":0.18893116577105087},{"text":"And because, also, you don't have the plus q anymore, and that had underperformed a little bit.","start":594.645,"end":599.625,"sentiment":"neutral","sentiment_score":0.12102100713288083},{"text":"The the new recommended portfolio consolidated has performed a little bit better when we are looking at that five year rolling average time frame.","start":600.165,"end":609.145,"sentiment":"neutral","sentiment_score":0.2881731043259303},{"text":"But what I have also done on the following page, the page 17 or 18, you can see a twelve month, three year, and five year as well.","start":609.68,"end":621.12,"sentiment":"neutral","sentiment_score":0.1517271367566926}],"sentiment":"neutral","sentiment_score":0.1918021841501852,"channel":0,"num_words":106,"start":579.92,"end":621.12},{"sentences":[{"text":"Can you see that?","start":621.12,"end":622.26,"sentiment":"neutral","sentiment_score":0.10279839672148228}],"sentiment":"neutral","sentiment_score":0.10279839672148228,"channel":0,"num_words":4,"start":621.12,"end":622.26},{"sentences":[{"text":"Yeah.","start":623.54004,"end":623.86005,"sentiment":"neutral","sentiment_score":0.13092222809791565},{"text":"Yeah.","start":623.86005,"end":624.36005,"sentiment":"neutral","sentiment_score":0.14736533164978027},{"text":"The 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good, and it's a little bit cheaper.","start":627.195,"end":641.48,"sentiment":"positive","sentiment_score":0.41163910525601083}],"sentiment":"positive","sentiment_score":0.407827336873327,"channel":0,"num_words":42,"start":626.635,"end":641.48},{"sentences":[{"text":"Yeah.","start":642.415,"end":642.65497,"sentiment":"positive","sentiment_score":0.35953131318092346},{"text":"That's good.","start":642.65497,"end":643.055,"sentiment":"positive","sentiment_score":0.47160305082798004},{"text":"In the ten years, I'm not gonna show up a grand.","start":643.055,"end":645.15497,"sentiment":"neutral","sentiment_score":-0.07113479958339171}],"sentiment":"neutral","sentiment_score":0.037161044244255335,"channel":1,"num_words":14,"start":642.415,"end":645.15497},{"sentences":[{"text":"In ten years?","start":646.1,"end":647.16,"sentiment":"neutral","sentiment_score":-0.03151989790300528},{"text":"Exactly.","start":647.3,"end":647.8,"sentiment":"neutral","sentiment_score":0.041507720947265625},{"text":"So by making the change.","start":647.86,"end":649.56,"sentiment":"neutral","sentiment_score":0.09038135483860969},{"text":"That is assuming everything stays the same.","start":650.215,"end":653.175,"sentiment":"neutral","sentiment_score":0.1533138688121523},{"text":"So your contribution stays the same.","start":653.175,"end":655.09503,"sentiment":"neutral","sentiment_score":0.24103129158417383}],"sentiment":"neutral","sentiment_score":0.13264725602824579,"channel":0,"num_words":22,"start":646.1,"end":655.09503},{"sentences":[{"text":"If you get a pay rise and you earn more, then your employer is gonna put more in, which is gonna compound.","start":655.09503,"end":661.915,"sentiment":"neutral","sentiment_score":0.19180140204050325},{"text":"But then, also, there is no, obviously, guarantee when it comes to the performances.","start":663.95996,"end":668.77997,"sentiment":"neutral","sentiment_score":-0.057356249008859904},{"text":"We can't guarantee anything.","start":669.0,"end":670.62,"sentiment":"neutral","sentiment_score":-0.10751915164291859},{"text":"But that is why we use a five year rolling average when we calculate the projection to give you a bit more, you know, certainty over a a longer period of time of what actually happened.","start":671.0,"end":682.05505,"sentiment":"neutral","sentiment_score":0.055962516305347286},{"text":"Then let's say if I used a three year, as you can see, it has performed a lot better, but that's only a three year time frame.","start":682.755,"end":689.61,"sentiment":"neutral","sentiment_score":0.05141326067624269}],"sentiment":"neutral","sentiment_score":0.06203277065481955,"channel":0,"num_words":103,"start":655.09503,"end":689.61},{"sentences":[{"text":"So using that five year gives us a little bit more certainty of how the portfolio has performed, but then also the market as well.","start":689.61,"end":697.55,"sentiment":"positive","sentiment_score":0.38091536283493044}],"sentiment":"positive","sentiment_score":0.38091536283493044,"channel":0,"num_words":25,"start":689.61,"end":697.55},{"sentences":[{"text":"Okay.","start":698.415,"end":698.915,"sentiment":"neutral","sentiment_score":0.21764810383319855}],"sentiment":"neutral","sentiment_score":0.21764810383319855,"channel":1,"num_words":1,"start":698.415,"end":698.915},{"sentences":[{"text":"Does that make sense?","start":698.81,"end":699.95,"sentiment":"neutral","sentiment_score":0.2075766809284687}],"sentiment":"neutral","sentiment_score":0.2075766809284687,"channel":0,"num_words":4,"start":698.81,"end":699.95},{"sentences":[{"text":"Yeah.","start":700.57495,"end":701.07495,"sentiment":"neutral","sentiment_score":0.11365392804145812}],"sentiment":"neutral","sentiment_score":0.11365392804145812,"channel":1,"num_words":1,"start":700.57495,"end":701.07495},{"sentences":[{"text":"Yeah.","start":701.625,"end":702.125,"sentiment":"neutral","sentiment_score":0.047922369092702866}],"sentiment":"neutral","sentiment_score":0.047922369092702866,"channel":0,"num_words":1,"start":701.625,"end":702.125},{"sentences":[{"text":"If I want is is salary sacrifice hard to set up if I want","start":702.86,"end":707.66,"sentiment":"neutral","sentiment_score":-0.05405228664832456}],"sentiment":"neutral","sentiment_score":-0.05405228664832456,"channel":1,"num_words":14,"start":702.86,"end":707.66},{"sentences":[{"text":"No.","start":707.545,"end":708.045,"sentiment":"neutral","sentiment_score":-0.10084600746631622}],"sentiment":"neutral","sentiment_score":-0.10084600746631622,"channel":0,"num_words":1,"start":707.545,"end":708.045},{"sentences":[{"text":"to put more?","start":707.66,"end":708.56,"sentiment":"neutral","sentiment_score":-0.09559934586286545}],"sentiment":"neutral","sentiment_score":-0.09559934586286545,"channel":1,"num_words":3,"start":707.66,"end":708.56},{"sentences":[{"text":"No.","start":709.145,"end":709.545,"sentiment":"neutral","sentiment_score":-0.15277332067489624},{"text":"No.","start":709.545,"end":709.78503,"sentiment":"neutral","sentiment_score":-0.16213026642799375},{"text":"Definitely not.","start":709.78503,"end":710.66504,"sentiment":"neutral","sentiment_score":-0.15200389176607132},{"text":"So if you want it through salary sacrifice, you could literally just let either you can go directly to employer because they set it up for you and say, hey.","start":710.66504,"end":720.07,"sentiment":"neutral","sentiment_score":0.07330496174593766},{"text":"I wanna put in x amount per week or fortnightly or monthly depending on how you get paid, and they will do that for you.","start":720.07,"end":726.49005,"sentiment":"neutral","sentiment_score":0.10193499714136124}],"sentiment":"neutral","sentiment_score":0.06997648153012082,"channel":0,"num_words":59,"start":709.145,"end":726.49005},{"sentences":[{"text":"You can always just send me an email otherwise of how much you are looking at doing.","start":726.575,"end":730.815,"sentiment":"neutral","sentiment_score":0.1160321130472071},{"text":"I would say that's the better way just so that I can run the numbers for 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fair.","start":983.605,"end":986.25,"sentiment":"neutral","sentiment_score":0.10821873818834622},{"text":"But before then yeah.","start":986.25,"end":988.67,"sentiment":"neutral","sentiment_score":-0.04566746111959219},{"text":"I'll leave that to to you guys, but I can see your reasoning behind behind that.","start":989.53,"end":995.07,"sentiment":"neutral","sentiment_score":-0.03287210559938103}],"sentiment":"neutral","sentiment_score":-0.016694231282757675,"channel":0,"num_words":23,"start":983.605,"end":995.07},{"sentences":[{"text":"See what happened.","start":995.54,"end":996.345,"sentiment":"neutral","sentiment_score":-0.08434813593824704}],"sentiment":"neutral","sentiment_score":-0.08434813593824704,"channel":1,"num_words":3,"start":995.54,"end":996.345},{"sentences":[{"text":"Yeah.","start":996.33,"end":996.83,"sentiment":"neutral","sentiment_score":0.07634499669075012},{"text":"Yeah.","start":997.095,"end":997.595,"sentiment":"neutral","sentiment_score":0.09502328932285307},{"text":"Let me know as well if there's any, you know, drastic changes or anything, but we will get notified if there is a request or, like, a rollover or anything like that if it comes to it later.","start":997.65497,"end":1010.07495,"sentiment":"neutral","sentiment_score":0.13036526406281873},{"text":"So just kind of keep me in the loop if, you know, there is anything that does change with your super as well.","start":1010.51,"end":1015.73,"sentiment":"neutral","sentiment_score":0.23376251076874527}],"sentiment":"neutral","sentiment_score":0.16669501695368025,"channel":0,"num_words":63,"start":996.33,"end":1015.73},{"sentences":[{"text":"No worries.","start":1016.79,"end":1017.44995,"sentiment":"neutral","sentiment_score":0.2754804790019989}],"sentiment":"neutral","sentiment_score":0.2754804790019989,"channel":1,"num_words":2,"start":1016.79,"end":1017.44995},{"sentences":[{"text":"Perfect.","start":1018.19,"end":1018.59,"sentiment":"positive","sentiment_score":0.5371421575546265},{"text":"Now I know you only have about a couple more minutes.","start":1018.59,"end":1021.07,"sentiment":"neutral","sentiment_score":0.12605631901797923},{"text":"So before I kind of jump into insurances quickly, do you have any questions in regards to, you know, the super or anything like that, or it's, you know, pretty straightforward?","start":1021.07,"end":1031.375,"sentiment":"neutral","sentiment_score":0.21142449494331114}],"sentiment":"neutral","sentiment_score":0.19716095372081496,"channel":0,"num_words":43,"start":1018.19,"end":1031.375},{"sentences":[{"text":"I guess I don't know.","start":1037.965,"end":1039.005,"sentiment":"neutral","sentiment_score":0.033547083660960195},{"text":"I I don't.","start":1039.005,"end":1039.825,"sentiment":"neutral","sentiment_score":-0.02704698530336221},{"text":"I'm just a plumber, really.","start":1040.65,"end":1042.27,"sentiment":"neutral","sentiment_score":0.09053273275494575}],"sentiment":"neutral","sentiment_score":0.041481394320726395,"channel":1,"num_words":13,"start":1037.965,"end":1042.27},{"sentences":[{"text":"So that's also","start":1043.69,"end":1044.33,"sentiment":"neutral","sentiment_score":0.21639143427213034}],"sentiment":"neutral","sentiment_score":0.21639143427213034,"channel":0,"num_words":3,"start":1043.69,"end":1044.33},{"sentences":[{"text":"I guess","start":1044.17,"end":1044.75,"sentiment":"neutral","sentiment_score":0.2534088045358658}],"sentiment":"neutral","sentiment_score":0.2534088045358658,"channel":1,"num_words":2,"start":1044.17,"end":1044.75},{"sentences":[{"text":"why you speak to us so you don't have to worry about it.","start":1044.33,"end":1047.15,"sentiment":"neutral","sentiment_score":0.28839653730392456}],"sentiment":"neutral","sentiment_score":0.28839653730392456,"channel":0,"num_words":13,"start":1044.33,"end":1047.15},{"sentences":[{"text":"I just I just wanna know someone's keeping an eye on it for me, like, doing what","start":1047.45,"end":1051.61,"sentiment":"positive","sentiment_score":0.34656820928349213}],"sentiment":"positive","sentiment_score":0.34656820928349213,"channel":1,"num_words":17,"start":1047.45,"end":1051.61},{"sentences":[{"text":"Yeah.","start":1051.385,"end":1051.885,"sentiment":"positive","sentiment_score":0.37204042077064514}],"sentiment":"positive","sentiment_score":0.37204042077064514,"channel":0,"num_words":1,"start":1051.385,"end":1051.885},{"sentences":[{"text":"I should for me.","start":1051.61,"end":1053.39,"sentiment":"positive","sentiment_score":0.4338301122188568}],"sentiment":"positive","sentiment_score":0.4338301122188568,"channel":1,"num_words":4,"start":1051.61,"end":1053.39},{"sentences":[{"text":"Yeah.","start":1054.025,"end":1054.3451,"sentiment":"positive","sentiment_score":0.34207481145858765},{"text":"Yeah.","start":1054.3451,"end":1054.8451,"sentiment":"positive","sentiment_score":0.3942328691482544},{"text":"And and that's how it is because it's like it takes you don't have to worry about it, and we'll obviously do annual reviews every twelve months.","start":1055.385,"end":1061.625,"sentiment":"positive","sentiment_score":0.5267310451578211},{"text":"If you want more catch ups to see if you want more, we can do it six monthly or or quarterly as well.","start":1061.625,"end":1067.1499,"sentiment":"positive","sentiment_score":0.3973655545193216},{"text":"It's completely up to how much contact you would want.","start":1067.1499,"end":1070.0499,"sentiment":"positive","sentiment_score":0.5146974921226501}],"sentiment":"positive","sentiment_score":0.47168433185546627,"channel":0,"num_words":62,"start":1054.025,"end":1070.0499},{"sentences":[{"text":"And we always give you updates on, you know, what's happening, keeping a look at even for, like, the newsletters and stuff, which sometimes gives a a good update of what is going on.","start":1071.39,"end":1080.3451,"sentiment":"positive","sentiment_score":0.47336721069672527},{"text":"But, otherwise, our job is literally through, you know, manage and look after your superannuation, and we always have to, you know, act in your best interest when we do anything.","start":1080.3451,"end":1088.1051,"sentiment":"neutral","sentiment_score":0.2772099832373281},{"text":"And we can't just go ahead and make changes without your approval or anything like that.","start":1088.1051,"end":1092.525,"sentiment":"neutral","sentiment_score":0.012991797178983688},{"text":"But, obviously, it's it's our job through you to do all the research and make sure that we have you in the best option and position for your retirement.","start":1093.16,"end":1100.5399,"sentiment":"positive","sentiment_score":0.4762021775903373},{"text":"So that is not something you have to worry 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the SMA, so a self managed account, which we recently launched with BlackRock.","start":1122.7201,"end":1130.1001,"sentiment":"neutral","sentiment_score":0.3035979769550837},{"text":"So I consider that as part of the research for you.","start":1130.495,"end":1134.5951,"sentiment":"positive","sentiment_score":0.4483965935862877},{"text":"And at the moment, when I did all the numbers and all the research, the portfolio in Hub 24 that I have recommended has performed a little bit better historically than the SMA currently, and it's also cheaper for you.","start":1135.135,"end":1149.82,"sentiment":"neutral","sentiment_score":0.2208140675909817},{"text":"So the SMA was a little bit more expensive and hadn't performed as well up to this point.","start":1149.82,"end":1157.36,"sentiment":"neutral","sentiment_score":-0.28112562331888413},{"text":"That's not so, therefore, I didn't recommend it because I couldn't justify that that was going to be better for you than the recommendation I have 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yes, it's something we're always reviewing.","start":1193.105,"end":1195.265,"sentiment":"neutral","sentiment_score":0.1380173840693065},{"text":"Now I know you only have a couple more minutes, so I will leave leave the superside for you.","start":1195.265,"end":1201.345,"sentiment":"neutral","sentiment_score":0.11719953072698493},{"text":"Investments, when you have a look at it, which is paid to 19, I have made a couple of changes in regards to the investment.","start":1201.345,"end":1206.78,"sentiment":"neutral","sentiment_score":0.1779853543639183},{"text":"Nothing drastic just to improve the returns and the the fees for you a little bit.","start":1206.92,"end":1213.34,"sentiment":"neutral","sentiment_score":0.3233726155012846},{"text":"It is still very diversified, and the philosophy and everything stays the 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than that.","start":1363.7001,"end":1365.86,"sentiment":"neutral","sentiment_score":-0.08010357550599358},{"text":"That's not too bad.","start":1365.86,"end":1366.875,"sentiment":"neutral","sentiment_score":0.1993562914431095},{"text":"So","start":1366.875,"end":1367.375,"sentiment":"neutral","sentiment_score":0.32321733236312866}],"sentiment":"neutral","sentiment_score":0.014968947973102331,"channel":1,"num_words":16,"start":1363.7001,"end":1367.375},{"sentences":[{"text":"Yeah.","start":1368.515,"end":1368.9149,"sentiment":"positive","sentiment_score":0.37161242961883545},{"text":"And especially, for 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cover.","start":1371.955,"end":1372.355,"sentiment":"neutral","sentiment_score":0.04670597054064274},{"text":"I because you're quite young, still The insurance point of you usually, the older you get, the more expensive they get because you can have, you know, more health issues and stuff like that.","start":1372.355,"end":1381.0299,"sentiment":"neutral","sentiment_score":-0.21139373575501583},{"text":"So for a million dollar worth of cover for life and TPD as well as an income protection, and the income protection, because your income is quite high, it will pay pay you that monthly benefit amount of 9,917 per month.","start":1381.6499,"end":1396.415,"sentiment":"neutral","sentiment_score":0.2867637218498602},{"text":"I've also added a benefit that if you are on claim, you will continue to get contributions added to your superannuation even though you will not be working for the duration of the claim.","start":1396.635,"end":1409.9,"sentiment":"neutral","sentiment_score":0.22698002976968007},{"text":"So","start":1410.84,"end":1411.34,"sentiment":"neutral","sentiment_score":0.10313193500041962}],"sentiment":"neutral","sentiment_score":0.11146241489664785,"channel":0,"num_words":112,"start":1371.955,"end":1411.34},{"sentences":[{"text":"Yes.","start":1411.285,"end":1411.53,"sentiment":"neutral","sentiment_score":0.15012377500534058}],"sentiment":"neutral","sentiment_score":0.15012377500534058,"channel":1,"num_words":1,"start":1411.285,"end":1411.53},{"sentences":[{"text":"does that make sense?","start":1411.64,"end":1412.78,"sentiment":"neutral","sentiment_score":0.13038994185626507}],"sentiment":"neutral","sentiment_score":0.13038994185626507,"channel":0,"num_words":4,"start":1411.64,"end":1412.78},{"sentences":[{"text":"Yep.","start":1413.4501,"end":1413.9501,"sentiment":"neutral","sentiment_score":0.15482370555400848}],"sentiment":"neutral","sentiment_score":0.15482370555400848,"channel":1,"num_words":1,"start":1413.4501,"end":1413.9501},{"sentences":[{"text":"Yep.","start":1414.28,"end":1414.76,"sentiment":"neutral","sentiment_score":0.2491357624530792},{"text":"Perfect.","start":1414.76,"end":1415.26,"sentiment":"positive","sentiment_score":0.5715970396995544},{"text":"Thirty day waiting period, five year benefit periods are similar to last time.","start":1416.04,"end":1420.7051,"sentiment":"neutral","sentiment_score":0.2974660236101884},{"text":"The the added kind of benefit with Zurich is that they pay fifteen days in arrears.","start":1420.7051,"end":1426.645,"sentiment":"neutral","sentiment_score":0.2602431606501341},{"text":"There's only two providers who do that, which is Zurich on one path, every single else through thirty days in arrears, which will mean that you'll get to claim quicker on Zurich policy.","start":1427.425,"end":1438.66,"sentiment":"neutral","sentiment_score":0.2720313713406072}],"sentiment":"neutral","sentiment_score":0.2785737020894885,"channel":0,"num_words":64,"start":1414.28,"end":1438.66},{"sentences":[{"text":"If something were to happen, you'll be able to get that benefit paid to you quicker than with other providers, which is good.","start":1438.66,"end":1445.3201,"sentiment":"positive","sentiment_score":0.4522359286961348},{"text":"And they just do that built in.","start":1445.485,"end":1447.1849,"sentiment":"positive","sentiment_score":0.39037720220429556}],"sentiment":"positive","sentiment_score":0.437802225848039,"channel":0,"num_words":30,"start":1438.66,"end":1447.1849},{"sentences":[{"text":"Yeah.","start":1448.2101,"end":1448.7101,"sentiment":"neutral","sentiment_score":0.15439653396606445},{"text":"Okay.","start":1448.77,"end":1449.27,"sentiment":"neutral","sentiment_score":0.17991098761558533}],"sentiment":"neutral","sentiment_score":0.1671537607908249,"channel":1,"num_words":2,"start":1448.2101,"end":1449.27},{"sentences":[{"text":"Yeah.","start":1449.085,"end":1449.585,"sentiment":"neutral","sentiment_score":0.2904704809188843},{"text":"Perfect.","start":1449.8049,"end":1450.3049,"sentiment":"positive","sentiment_score":0.5326314568519592},{"text":"Now when you read through the document, when you have some time, there are a bit more information in regards to the policy, all the advantages.","start":1451.4049,"end":1459.6001,"sentiment":"neutral","sentiment_score":0.2701759481659302},{"text":"In regards to it, I've also included a PDF.","start":1460.06,"end":1463.1201,"sentiment":"neutral","sentiment_score":0.1977101249827279},{"text":"So everything you need to know about your Zurich insurances there for you.","start":1463.26,"end":1467.68,"sentiment":"neutral","sentiment_score":0.26620848591511065}],"sentiment":"neutral","sentiment_score":0.2617555606365204,"channel":0,"num_words":50,"start":1449.085,"end":1467.68},{"sentences":[{"text":"If you have any questions, let me know.","start":1467.9,"end":1470.2201,"sentiment":"neutral","sentiment_score":0.1393694318830967},{"text":"Otherwise, in terms of inclusions and features, it's very similar to the other provider that I spoke to you about last time.","start":1470.2201,"end":1477.635,"sentiment":"neutral","sentiment_score":0.2167314040389928},{"text":"But when I run the numbers this time, it still came out a little bit more competitive in price as well as still having the the same features.","start":1477.635,"end":1485.315,"sentiment":"positive","sentiment_score":0.3738695297922407},{"text":"So that's really good.","start":1485.315,"end":1486.4349,"sentiment":"positive","sentiment_score":0.739531621336937},{"text":"Made it a little bit cheaper.","start":1486.4349,"end":1487.815,"sentiment":"positive","sentiment_score":0.5614552597204844}],"sentiment":"positive","sentiment_score":0.33350369443788247,"channel":0,"num_words":68,"start":1467.9,"end":1487.815},{"sentences":[{"text":"And I","start":1489.02,"end":1489.26,"sentiment":"neutral","sentiment_score":0.06726844049990177}],"sentiment":"neutral","sentiment_score":0.06726844049990177,"channel":0,"num_words":2,"start":1489.02,"end":1489.26},{"sentences":[{"text":"This","start":1489.245,"end":1489.745,"sentiment":"neutral","sentiment_score":0.03788751736283302}],"sentiment":"neutral","sentiment_score":0.03788751736283302,"channel":1,"num_words":1,"start":1489.245,"end":1489.745},{"sentences":[{"text":"do wanna just yeah.","start":1489.26,"end":1490.56,"sentiment":"neutral","sentiment_score":0.027984818443655968}],"sentiment":"neutral","sentiment_score":0.027984818443655968,"channel":0,"num_words":4,"start":1489.26,"end":1490.56},{"sentences":[{"text":"this thing happens to some whatever trauma cover, like, I can just claim this to keep me going while I'm doing whatever else.","start":1490.3651,"end":1497.9601,"sentiment":"neutral","sentiment_score":0.009784230719441954}],"sentiment":"neutral","sentiment_score":0.009784230719441954,"channel":1,"num_words":23,"start":1490.3651,"end":1497.9601},{"sentences":[{"text":"So income protection is if you're unable to work temporarily.","start":1498.7001,"end":1502.2401,"sentiment":"neutral","sentiment_score":-0.136057885363698},{"text":"So, yes, trauma, which is on the page 22, I have recommended the trauma for you again, at a 150,000.","start":1502.54,"end":1511.515,"sentiment":"neutral","sentiment_score":-0.0023752788081765177},{"text":"Now that is a separate policy.","start":1511.735,"end":1513.355,"sentiment":"neutral","sentiment_score":-0.01800740199784438},{"text":"The trauma is if you suffer any of those traumatic events, like cancer, stroke, heart attack, neurological condition, that is not dependent on you working at all.","start":1514.295,"end":1523.8099,"sentiment":"neutral","sentiment_score":-0.03992767418148341},{"text":"So you could still be working and earning an income if you get a diagnosis.","start":1523.8099,"end":1528.07,"sentiment":"neutral","sentiment_score":0.11039275700847308}],"sentiment":"neutral","sentiment_score":-0.0120292908918017,"channel":0,"num_words":78,"start":1498.7001,"end":1528.07},{"sentences":[{"text":"That's when you will get paid the 150,000 completely tax free to your back pocket.","start":1528.5299,"end":1534.275,"sentiment":"neutral","sentiment_score":0.05261206403374672},{"text":"So this","start":1534.975,"end":1535.615,"sentiment":"neutral","sentiment_score":-0.003962402231991291}],"sentiment":"neutral","sentiment_score":0.04595624447307166,"channel":0,"num_words":17,"start":1528.5299,"end":1535.615},{"sentences":[{"text":"Okay.","start":1535.36,"end":1535.86,"sentiment":"neutral","sentiment_score":-0.00600219052284956}],"sentiment":"neutral","sentiment_score":-0.00600219052284956,"channel":1,"num_words":1,"start":1535.36,"end":1535.86},{"sentences":[{"text":"policy is out of pocket.","start":1535.615,"end":1537.555,"sentiment":"neutral","sentiment_score":-0.008614660985767842},{"text":"So the monthly premium is $52.65.","start":1537.855,"end":1542.435,"sentiment":"neutral","sentiment_score":-0.014190322409073511}],"sentiment":"neutral","sentiment_score":-0.01165593085302548,"channel":0,"num_words":11,"start":1535.615,"end":1542.435},{"sentences":[{"text":"Wrong.","start":1544.345,"end":1544.845,"sentiment":"neutral","sentiment_score":-0.12161468714475632},{"text":"Okay.","start":1545.545,"end":1546.045,"sentiment":"neutral","sentiment_score":-0.02148370072245598}],"sentiment":"neutral","sentiment_score":-0.07154919393360615,"channel":1,"num_words":2,"start":1544.345,"end":1546.045},{"sentences":[{"text":"So, obviously, have a think about cash flow and stuff like that.","start":1545.69,"end":1549.87,"sentiment":"neutral","sentiment_score":-0.018315188586711884},{"text":"Again, if you say, okay.","start":1549.9299,"end":1552.2699,"sentiment":"neutral","sentiment_score":0.04142942503094673},{"text":"I'll I'll happy to start with the trauma and start with everything, and something changes with your cash flow when you have, you know, a better understanding of rental expenses or anything like that and you go, no.","start":1552.33,"end":1562.7849,"sentiment":"neutral","sentiment_score":0.1743676448731046},{"text":"I I don't wanna pay for out of pocket anymore.","start":1562.7849,"end":1564.945,"sentiment":"neutral","sentiment_score":-0.17654979377985},{"text":"We can just cancel it.","start":1564.945,"end":1566.065,"sentiment":"neutral","sentiment_score":-0.07147734612226486}],"sentiment":"neutral","sentiment_score":0.06414929569831916,"channel":0,"num_words":70,"start":1545.69,"end":1566.065},{"sentences":[{"text":"It's really easy to cancel if you change your mind.","start":1566.065,"end":1569.985,"sentiment":"neutral","sentiment_score":-0.03403343539685011},{"text":"But, again, obviously, I'll let you think about it.","start":1569.985,"end":1572.06,"sentiment":"neutral","sentiment_score":0.066419734309117},{"text":"But it's $53.65 per month, and that gives you a 150,000 worth of trauma as well as an added 150,000 worth of life just to make your your policy cheaper.","start":1572.2201,"end":1585.3401,"sentiment":"neutral","sentiment_score":0.11999796802798907},{"text":"That's it.","start":1585.3401,"end":1586.025,"sentiment":"neutral","sentiment_score":0.011135067557916045}],"sentiment":"neutral","sentiment_score":0.07607161628958933,"channel":0,"num_words":51,"start":1566.065,"end":1586.025},{"sentences":[{"text":"It's really only 13 or $14 a week, isn't it?","start":1586.31,"end":1589.03,"sentiment":"neutral","sentiment_score":0.016579710226505995},{"text":"It's not really","start":1589.03,"end":1589.67,"sentiment":"neutral","sentiment_score":-0.07529611885547638}],"sentiment":"neutral","sentiment_score":-0.004622404177028399,"channel":1,"num_words":13,"start":1586.31,"end":1589.67},{"sentences":[{"text":"It's","start":1589.625,"end":1589.9451,"sentiment":"neutral","sentiment_score":-0.1155564785003662}],"sentiment":"neutral","sentiment_score":-0.1155564785003662,"channel":0,"num_words":1,"start":1589.625,"end":1589.9451},{"sentences":[{"text":"that much.","start":1589.67,"end":1590.41,"sentiment":"neutral","sentiment_score":-0.1095978394150734}],"sentiment":"neutral","sentiment_score":-0.1095978394150734,"channel":1,"num_words":2,"start":1589.67,"end":1590.41},{"sentences":[{"text":"not it's not that much at all.","start":1589.9451,"end":1592.2051,"sentiment":"neutral","sentiment_score":-0.1580092055456979},{"text":"And I typically say as well that if you have yeah.","start":1592.5851,"end":1595.145,"sentiment":"neutral","sentiment_score":-0.04713373885236003},{"text":"It's $13.16 a week.","start":1595.145,"end":1597.405,"sentiment":"neutral","sentiment_score":-0.03465847950428724},{"text":"That if you have the cash flow, it is one of those policies we see claimed on the most because you don't have to prove that you're unable to go back to work.","start":1597.545,"end":1605.4,"sentiment":"neutral","sentiment_score":-0.04610790780773669},{"text":"If you just get a diagnosis that's on there, you will get paid out,","start":1605.4,"end":1609.3401,"sentiment":"neutral","sentiment_score":-0.024079593031534126}],"sentiment":"neutral","sentiment_score":-0.05249050354072149,"channel":0,"num_words":69,"start":1589.9451,"end":1609.3401},{"sentences":[{"text":"Yeah.","start":1610.65,"end":1611.15,"sentiment":"neutral","sentiment_score":0.06834576278924942}],"sentiment":"neutral","sentiment_score":0.06834576278924942,"channel":1,"num_words":1,"start":1610.65,"end":1611.15},{"sentences":[{"text":"and it's tax free.","start":1611.0801,"end":1612.4601,"sentiment":"neutral","sentiment_score":0.20592230558395386},{"text":"So it is a really good policy to have.","start":1613.4801,"end":1616.115,"sentiment":"positive","sentiment_score":0.3647519714302487},{"text":"But usually for people, the sticky point is having the cash flow because you can't pay for it out of the.","start":1616.275,"end":1621.975,"sentiment":"neutral","sentiment_score":-0.13522951943533762}],"sentiment":"neutral","sentiment_score":0.0372540310901754,"channel":0,"num_words":34,"start":1611.0801,"end":1621.975},{"sentences":[{"text":"Yeah.","start":1624.3049,"end":1624.465,"sentiment":"neutral","sentiment_score":0.0021533723920583725}],"sentiment":"neutral","sentiment_score":0.0021533723920583725,"channel":1,"num_words":1,"start":1624.3049,"end":1624.465},{"sentences":[{"text":"But","start":1624.355,"end":1624.435,"sentiment":"neutral","sentiment_score":0.013350304216146467}],"sentiment":"neutral","sentiment_score":0.013350304216146467,"channel":0,"num_words":1,"start":1624.355,"end":1624.435},{"sentences":[{"text":"I","start":1624.465,"end":1624.5449,"sentiment":"neutral","sentiment_score":0.02225915715098381}],"sentiment":"neutral","sentiment_score":0.02225915715098381,"channel":1,"num_words":1,"start":1624.465,"end":1624.5449},{"sentences":[{"text":"yes.","start":1624.515,"end":1624.675,"sentiment":"neutral","sentiment_score":0.029004719108343124}],"sentiment":"neutral","sentiment_score":0.029004719108343124,"channel":0,"num_words":1,"start":1624.515,"end":1624.675},{"sentences":[{"text":"think","start":1624.5449,"end":1625.0449,"sentiment":"neutral","sentiment_score":0.02568216063082218}],"sentiment":"neutral","sentiment_score":0.02568216063082218,"channel":1,"num_words":1,"start":1624.5449,"end":1625.0449},{"sentences":[{"text":"Yes, sir.","start":1624.675,"end":1625.415,"sentiment":"neutral","sentiment_score":0.05964240804314613},{"text":"Mhmm.","start":1625.5549,"end":1626.0549,"sentiment":"neutral","sentiment_score":0.0091911219060421},{"text":"What was that?","start":1629.09,"end":1629.65,"sentiment":"neutral","sentiment_score":-0.01696375695367654},{"text":"Sorry.","start":1629.65,"end":1630.15,"sentiment":"neutral","sentiment_score":-0.03172324597835541}],"sentiment":"neutral","sentiment_score":0.006551631593278476,"channel":0,"num_words":7,"start":1624.675,"end":1630.15},{"sentences":[{"text":"yeah.","start":1630.5449,"end":1630.865,"sentiment":"neutral","sentiment_score":0.02032710239291191},{"text":"I think I'll go with that.","start":1630.865,"end":1631.985,"sentiment":"neutral","sentiment_score":0.09046350171168645},{"text":"That sounds good.","start":1631.985,"end":1633.0449,"sentiment":"positive","sentiment_score":0.3757951060930888}],"sentiment":"neutral","sentiment_score":0.1690493430942297,"channel":1,"num_words":10,"start":1630.5449,"end":1633.0449},{"sentences":[{"text":"Yep.","start":1632.77,"end":1633.27,"sentiment":"neutral","sentiment_score":0.15519492328166962},{"text":"Yep.","start":1633.33,"end":1633.83,"sentiment":"neutral","sentiment_score":0.21061426401138303},{"text":"Perfect.","start":1633.89,"end":1634.39,"sentiment":"positive","sentiment_score":0.40352803468704224},{"text":"Now I know you have to go, so I won't go through the rest with you.","start":1634.93,"end":1639.03,"sentiment":"neutral","sentiment_score":0.07343042711727321},{"text":"Have a read over it.","start":1639.17,"end":1640.45,"sentiment":"neutral","sentiment_score":0.0520770400762558}],"sentiment":"neutral","sentiment_score":0.09185871900990605,"channel":0,"num_words":24,"start":1632.77,"end":1640.45},{"sentences":[{"text":"I know we've spoke kind of about the other bits and pieces.","start":1640.45,"end":1643.35,"sentiment":"neutral","sentiment_score":0.038504564513762794},{"text":"If you have any questions in regards to any any of the rest, just let me know.","start":1643.865,"end":1649.005,"sentiment":"neutral","sentiment_score":0.06986810727154508},{"text":"Otherwise, from here, if you do, you know, decide that you would like to go ahead with the change, so to consolidate, update your investment, and apply for the insurances, And there is absolutely no changes in regards to the fee.","start":1649.785,"end":1662.3301,"sentiment":"neutral","sentiment_score":0.10539962414924692},{"text":"So you're not paying any more through to do the the change.","start":1662.55,"end":1665.91,"sentiment":"neutral","sentiment_score":0.16955240815877914},{"text":"It is all part of the advice service fee, which is that 1.1 form due graduation.","start":1665.91,"end":1671.085,"sentiment":"neutral","sentiment_score":0.25542391184717417}],"sentiment":"neutral","sentiment_score":0.12339396607510898,"channel":0,"num_words":98,"start":1640.45,"end":1671.085},{"sentences":[{"text":"There is no increases or anything like that.","start":1671.085,"end":1673.325,"sentiment":"neutral","sentiment_score":0.18476623203605413},{"text":"It stays exactly the same.","start":1673.325,"end":1674.945,"sentiment":"positive","sentiment_score":0.3552372813224792},{"text":"It's just part of the service.","start":1675.565,"end":1676.945,"sentiment":"neutral","sentiment_score":0.2714913139740626},{"text":"Yeah.","start":1677.245,"end":1677.725,"sentiment":"neutral","sentiment_score":0.19198527932167053},{"text":"And that's, again, if we do this a couple of times or when your situation change, again, there is no additional fees or charges.","start":1677.725,"end":1684.5249,"sentiment":"neutral","sentiment_score":0.18378217269976935}],"sentiment":"neutral","sentiment_score":0.21559139933775773,"channel":0,"num_words":44,"start":1671.085,"end":1684.5249},{"sentences":[{"text":"It's all part of the ongoing advice","start":1684.5249,"end":1686.3049,"sentiment":"neutral","sentiment_score":0.2517858275345394}],"sentiment":"neutral","sentiment_score":0.2517858275345394,"channel":0,"num_words":7,"start":1684.5249,"end":1686.3049},{"sentences":[{"text":"Alright.","start":1688.355,"end":1688.855,"sentiment":"positive","sentiment_score":0.4071284532546997}],"sentiment":"positive","sentiment_score":0.4071284532546997,"channel":1,"num_words":1,"start":1688.355,"end":1688.855},{"sentences":[{"text":"Perfect.","start":1689.54,"end":1689.9401,"sentiment":"positive","sentiment_score":0.6226752400398254},{"text":"I do wanna mention one last thing, which is just your Zurich premium.","start":1689.9401,"end":1693.3201,"sentiment":"neutral","sentiment_score":0.19690408672277743},{"text":"It is outlined on the remuneration section.","start":1693.38,"end":1695.9601,"sentiment":"neutral","sentiment_score":0.11664900502988271},{"text":"That is not you paying that, though.","start":1696.5801,"end":1698.3401,"sentiment":"neutral","sentiment_score":0.016227801463433673},{"text":"It is Zurich paying us.","start":1698.3401,"end":1699.905,"sentiment":"neutral","sentiment_score":0.06397392973303795}],"sentiment":"neutral","sentiment_score":0.13431623216831323,"channel":0,"num_words":33,"start":1689.54,"end":1699.905},{"sentences":[{"text":"And, again, it's exactly the same breakdown split with all the insurers out there and for every single adviser, so it doesn't pay us in any way.","start":1700.385,"end":1708.225,"sentiment":"neutral","sentiment_score":0.12249239382368547},{"text":"But for compliance purposes, we have to disclose it so you are fully aware of everything.","start":1708.225,"end":1712.885,"sentiment":"neutral","sentiment_score":0.02909333712887019},{"text":"But if you see it, that is not you paying those insurances, that is you're paying us.","start":1713.48,"end":1718.22,"sentiment":"neutral","sentiment_score":-0.017933975288863566},{"text":"Does that make sense, Javier?","start":1718.28,"end":1719.58,"sentiment":"neutral","sentiment_score":0.017600813880562782}],"sentiment":"neutral","sentiment_score":0.05470637718143945,"channel":0,"num_words":65,"start":1700.385,"end":1719.58},{"sentences":[{"text":"Yeah.","start":1720.445,"end":1720.845,"sentiment":"neutral","sentiment_score":0.03433751314878464},{"text":"Yeah.","start":1720.845,"end":1721.345,"sentiment":"neutral","sentiment_score":0.046800486743450165}],"sentiment":"neutral","sentiment_score":0.0405689999461174,"channel":1,"num_words":2,"start":1720.445,"end":1721.345},{"sentences":[{"text":"Yeah.","start":1721.64,"end":1722.14,"sentiment":"neutral","sentiment_score":0.09312539547681808}],"sentiment":"neutral","sentiment_score":0.09312539547681808,"channel":0,"num_words":1,"start":1721.64,"end":1722.14},{"sentences":[{"text":"I'm","start":1721.965,"end":1722.465,"sentiment":"neutral","sentiment_score":0.2360518574714661}],"sentiment":"neutral","sentiment_score":0.2360518574714661,"channel":1,"num_words":1,"start":1721.965,"end":1722.465},{"sentences":[{"text":"Great.","start":1722.2,"end":1722.7,"sentiment":"positive","sentiment_score":0.412164568901062}],"sentiment":"positive","sentiment_score":0.412164568901062,"channel":0,"num_words":1,"start":1722.2,"end":1722.7},{"sentences":[{"text":"going to Office Works.","start":1723.085,"end":1724.205,"sentiment":"neutral","sentiment_score":0.2791672423481941},{"text":"We won't be able to print all this out.","start":1724.205,"end":1725.8049,"sentiment":"neutral","sentiment_score":0.02670086154507266},{"text":"I'll just I struggle reading off","start":1725.8049,"end":1727.4,"sentiment":"neutral","sentiment_score":-0.058966331804792084}],"sentiment":"neutral","sentiment_score":0.05279888065629884,"channel":1,"num_words":19,"start":1723.085,"end":1727.4},{"sentences":[{"text":"Yes.","start":1727.175,"end":1727.675,"sentiment":"neutral","sentiment_score":-0.002358796074986458},{"text":"I can just get the oh, yes.","start":1728.295,"end":1729.8151,"sentiment":"neutral","sentiment_score":-0.0019442103803157806},{"text":"Yep.","start":1729.8151,"end":1730.055,"sentiment":"neutral","sentiment_score":0.011344446800649166},{"text":"Yep.","start":1730.055,"end":1730.375,"sentiment":"neutral","sentiment_score":0.000212393089896068},{"text":"I was gonna say, I can get them to email you, but that doesn't really that doesn't really work.","start":1730.375,"end":1733.995,"sentiment":"neutral","sentiment_score":-0.056221801689580866}],"sentiment":"neutral","sentiment_score":-0.03698709175685132,"channel":0,"num_words":29,"start":1727.175,"end":1733.995},{"sentences":[{"text":"Yeah.","start":1735.095,"end":1735.575,"sentiment":"neutral","sentiment_score":0.017150167375802994},{"text":"Do that.","start":1735.575,"end":1736.235,"sentiment":"neutral","sentiment_score":0.010007781907916069}],"sentiment":"neutral","sentiment_score":0.012388577063878378,"channel":0,"num_words":3,"start":1735.095,"end":1736.235},{"sentences":[{"text":"screen.","start":1736.76,"end":1737.26,"sentiment":"neutral","sentiment_score":0.0072891730815172195}],"sentiment":"neutral","sentiment_score":0.0072891730815172195,"channel":1,"num_words":1,"start":1736.76,"end":1737.26},{"sentences":[{"text":"Would you like us to send it to you in an email as well if it's easier to to download and print it?","start":1737.75,"end":1743.77,"sentiment":"neutral","sentiment_score":0.04811258273928062}],"sentiment":"neutral","sentiment_score":0.04811258273928062,"channel":0,"num_words":23,"start":1737.75,"end":1743.77},{"sentences":[{"text":"Yeah.","start":1744.075,"end":1744.3949,"sentiment":"neutral","sentiment_score":0.05285160988569259},{"text":"That'll be better because","start":1744.3949,"end":1745.595,"sentiment":"neutral","sentiment_score":0.06990636419504881}],"sentiment":"neutral","sentiment_score":0.06649541333317757,"channel":1,"num_words":5,"start":1744.075,"end":1745.595},{"sentences":[{"text":"Yes?","start":1745.59,"end":1746.09,"sentiment":"neutral","sentiment_score":0.02012217603623867}],"sentiment":"neutral","sentiment_score":0.02012217603623867,"channel":0,"num_words":1,"start":1745.59,"end":1746.09},{"sentences":[{"text":"I I just my eyes","start":1745.595,"end":1747.2749,"sentiment":"neutral","sentiment_score":-0.1188684955239296}],"sentiment":"neutral","sentiment_score":-0.1188684955239296,"channel":1,"num_words":5,"start":1745.595,"end":1747.2749},{"sentences":[{"text":"Hello?","start":1747.27,"end":1747.77,"sentiment":"neutral","sentiment_score":-0.12089484184980392}],"sentiment":"neutral","sentiment_score":-0.12089484184980392,"channel":0,"num_words":1,"start":1747.27,"end":1747.77},{"sentences":[{"text":"are a bit funny and I'm reading all the stuff properly and it was on paper for some reason.","start":1747.2749,"end":1751.615,"sentiment":"neutral","sentiment_score":-0.24881695759923836}],"sentiment":"neutral","sentiment_score":-0.24881695759923836,"channel":1,"num_words":19,"start":1747.2749,"end":1751.615},{"sentences":[{"text":"Yeah.","start":1751.765,"end":1752.245,"sentiment":"neutral","sentiment_score":-0.07224193960428238},{"text":"No.","start":1752.245,"end":1752.485,"sentiment":"neutral","sentiment_score":-0.08065323531627655},{"text":"That is no problem.","start":1752.485,"end":1753.785,"sentiment":"positive","sentiment_score":0.4394315630197525},{"text":"I will get the the team through email you or, actually, I'll just do because most of them have left for the day.","start":1754.3251,"end":1761.925,"sentiment":"neutral","sentiment_score":0.27658986073473224},{"text":"I'll just send you an email shortly with the attachment, and then you can print it and have a read over it.","start":1761.925,"end":1770.84,"sentiment":"neutral","sentiment_score":0.2116807225075635}],"sentiment":"neutral","sentiment_score":0.24751713272987627,"channel":0,"num_words":51,"start":1751.765,"end":1770.84},{"sentences":[{"text":"It is still valid for a a bit of time as well.","start":1770.84,"end":1773.48,"sentiment":"neutral","sentiment_score":0.27320735653241474},{"text":"So you do have about thirty days or so to have a read over it and, you know, decide what you would like to do, so no rush.","start":1773.48,"end":1781.685,"sentiment":"neutral","sentiment_score":0.20608604273625783},{"text":"If you have any questions when you print it out, though, that we didn't have a chance to go through today, just send me an email or or give the office a call, and we can always book you in for a bit of a follow-up to to go through that for you.","start":1782.305,"end":1793.4,"sentiment":"neutral","sentiment_score":0.13580586550370702}],"sentiment":"neutral","sentiment_score":0.17469471340538353,"channel":0,"num_words":93,"start":1770.84,"end":1793.4},{"sentences":[{"text":"Okay.","start":1794.68,"end":1795.18,"sentiment":"neutral","sentiment_score":0.17120058834552765},{"text":"No worries.","start":1795.24,"end":1795.98,"sentiment":"neutral","sentiment_score":0.2258036732673645}],"sentiment":"neutral","sentiment_score":0.20760264496008554,"channel":1,"num_words":3,"start":1794.68,"end":1795.98},{"sentences":[{"text":"Okay.","start":1795.64,"end":1796.14,"sentiment":"neutral","sentiment_score":0.2835180163383484},{"text":"No worries.","start":1796.4401,"end":1796.92,"sentiment":"positive","sentiment_score":0.396343395113945},{"text":"Thank you so much for your time this afternoon, Xavier.","start":1796.92,"end":1799.18,"sentiment":"positive","sentiment_score":0.8214412808418274},{"text":"And anything you need, just let me know.","start":1799.24,"end":1801.5,"sentiment":"positive","sentiment_score":0.590288732200861},{"text":"And I hope everything goes well, otherwise, for you, and I look forward to hearing from you soon again.","start":1801.88,"end":1807.9,"sentiment":"positive","sentiment_score":0.7328978776931763}],"sentiment":"positive","sentiment_score":0.6984496787190437,"channel":0,"num_words":40,"start":1795.64,"end":1807.9},{"sentences":[{"text":"Alright.","start":1809.035,"end":1809.535,"sentiment":"positive","sentiment_score":0.39798760414123535},{"text":"Thank you.","start":1809.595,"end":1810.335,"sentiment":"positive","sentiment_score":0.5630345642566681}],"sentiment":"positive","sentiment_score":0.5080189108848572,"channel":1,"num_words":3,"start":1809.035,"end":1810.335},{"sentences":[{"text":"No problem.","start":1810.6368,"end":1811.2769,"sentiment":"positive","sentiment_score":0.3834230452775955},{"text":"We'll speak soon.","start":1811.2769,"end":1812.1769,"sentiment":"positive","sentiment_score":0.34129318594932556}],"sentiment":"positive","sentiment_score":0.35814512968063356,"channel":0,"num_words":5,"start":1810.6368,"end":1812.1769},{"sentences":[{"text":"Thanks.","start":1812.875,"end":1813.275,"sentiment":"positive","sentiment_score":0.4536365270614624},{"text":"Bye.","start":1813.275,"end":1813.775,"sentiment":"neutral","sentiment_score":0.2558060586452484}],"sentiment":"positive","sentiment_score":0.3547212928533554,"channel":1,"num_words":2,"start":1812.875,"end":1813.775},{"sentences":[{"text":"Bye.","start":1814.1569,"end":1814.6569,"sentiment":"neutral","sentiment_score":0.1486717313528061}],"sentiment":"neutral","sentiment_score":0.1486717313528061,"channel":0,"num_words":1,"start":1814.1569,"end":1814.6569}]},"summary":{"result":"success","short":"Xavier calls to consolidate vacuuming services and discuss his investment portfolio, recommending staying in Hub 24 to make recommendations. The agent recommends updating investments and using the recommended portfolio for longer periods of time. They also discuss reassessing a separation agreement and the process for transferring an insurance plan. The agent provides information on insurance policy benefits and advises the customer to consider canceling if they change their mind. The agent provides coverage information and sends an email with more information."},"intents":{"segments":[{"text":"I had you booked in today just to kinda obviously go through and finalizing and consolidating everything for you now and everything is sorted with your me and everything. Do you still have time to go through that? Yeah.","start_word":34,"end_word":72,"intents":[{"intent":"Consolidate and finalize things","confidence_score":0.016893236}]},{"text":"Now I do know as well that my colleague Jacob mentioned that you and Natalie are separating. Yep.","start_word":97,"end_word":114,"intents":[{"intent":"Maintain separate service","confidence_score":0.021258868}]},{"text":"And if Natalie will just have to speak to one of my colleague just to keep it completely separate because otherwise, I can't do, obviously, best interest for both of you, if that makes sense. Yeah.","start_word":178,"end_word":213,"intents":[{"intent":"Speak to colleague","confidence_score":0.005573199}]},{"text":"Now if anything has changed in terms of your goals and everything like that as we're going through things, just let me know, especially with the insurances.","start_word":221,"end_word":247,"intents":[{"intent":"Understand and discuss goals","confidence_score":0.00009079785}]},{"text":"Now if anything has changed in terms of your goals and everything like that as we're going through things, just let me know, especially with the insurances. Now when it comes to the insurances as well, it's always I say it's always better to apply for a little bit more as well if if that, you know, the mortgage and stuff will change because it's super easy to reduce it.","start_word":221,"end_word":290,"intents":[{"intent":"Apply for insurances","confidence_score":0.026069393}]},{"text":"Now when it comes to the insurances as well, it's always I say it's always better to apply for a little bit more as well if if that, you know, the mortgage and stuff will change because it's super easy to reduce it. Because the insurer's taking on less risk, it's just a quick form to reduce it. It is harder to to increase it.","start_word":248,"end_word":312,"intents":[{"intent":"Reducing cost","confidence_score":0.000075344746}]},{"text":"Because the insurer's taking on less risk, it's just a quick form to reduce it. It is harder to to increase it.","start_word":291,"end_word":312,"intents":[{"intent":"Reducate risk","confidence_score":0.0007172067}]},{"text":"That just reduced my premiums. Yep.","start_word":433,"end_word":438,"intents":[{"intent":"Reducing premiums","confidence_score":0.019495964}]},{"text":"Do you have access to your emails at the moment or not really right now?","start_word":455,"end_word":469,"intents":[{"intent":"Accessing documents","confidence_score":0.1265571}]},{"text":"So we have changed the software a little bit, so it might look a bit different. But in the email, if you click on the link where it says sign out, it will get you to open the document, but they won't get you to sign anything right away.","start_word":584,"end_word":632,"intents":[{"intent":"Changing software","confidence_score":0.19076325}]},{"text":"Statement of advice, compared to David Hammond. Yes.","start_word":757,"end_word":764,"intents":[{"intent":"Identify a problem","confidence_score":0.000018279565}]},{"text":"So I have recommended that we completely consolidate everything into Hub twenty four to make it nice and easy and also updating some of those investments.","start_word":1270,"end_word":1295,"intents":[{"intent":"Consolidate investments","confidence_score":0.062132735}]},{"text":"yeah, how much was better than last year, basically. Basically, for what you what your goals are and what you are trying to achieve and trying to maximize that growth for you, yes.","start_word":1361,"end_word":1393,"intents":[{"intent":"Maximize growth","confidence_score":0.736759}]},{"text":"Is that how much super I get so net contribution is how much super you get per year from your employer after tax. So a year?","start_word":1423,"end_word":1448,"intents":[{"intent":"Understand super contributions","confidence_score":0.00915753}]},{"text":"Now when it comes to the performance, so the difference between them, you can see there at the bottom, it says a five year rolling average. So the the kind of updated recommended portfolio in hub '24. And because, also, you don't have the plus q anymore, and that had underperformed a little bit.","start_word":1534,"end_word":1587,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.30459988}]},{"text":"If I want is is salary sacrifice hard to set up if I want No. to put more?","start_word":1863,"end_word":1880,"intents":[{"intent":"Set up salary sacrifice","confidence_score":0.348086}]},{"text":"So if you want it through salary sacrifice, you could literally just let either you can go directly to employer because they set it up for you and say, hey. I wanna put in x amount per week or fortnightly or monthly depending on how you get paid, and they will do that for you.","start_word":1885,"end_word":1939,"intents":[{"intent":"Provide guidance on salary sacrifice","confidence_score":0.005649207}]},{"text":"You can always just send me an email otherwise of how much you are looking at doing.","start_word":1940,"end_word":1956,"intents":[{"intent":"Send email","confidence_score":0.27214926}]},{"text":"Because there is a cap space on how much you can put in to get the tax effective, which is 30,000 per financial year. If you exceed that, you're not gonna have the same tax benefit, and you also have to pay a little bit more.","start_word":1974,"end_word":2019,"intents":[{"intent":"Obtain tax savings","confidence_score":0.018851835}]},{"text":"So I would say it's always better if if you know how much you want to do, Email me and say, hey. I would like to put in $100 a week, a $100 a month, or whatever it might be, and then I can send you do the math for you just to make sure you stay under the contribution cap.","start_word":2020,"end_word":2080,"intents":[{"intent":"Confirm contribution cap","confidence_score":0.003099304}]},{"text":"And then I can draft a letter, and then you can just forward out to your employer to say that you would like to start salary sacrificing, you know, assuming you see under the cap. And in that email, I can always put as well how much that changes your take home pay as well as your tax savings to make it easy. Yeah.","start_word":2081,"end_word":2144,"intents":[{"intent":"Send letter to employer","confidence_score":0.014493379}]},{"text":"I think well, I think I'll just get through this separation part, and Yep. then I'll look We at that. can reassess.","start_word":2159,"end_word":2180,"intents":[{"intent":"Provide advice on reassessing and reassessing salary sacrifice","confidence_score":8.900427e-8}]},{"text":"can reassess.","start_word":2179,"end_word":2180,"intents":[{"intent":"Reassessing portfolio performance","confidence_score":0.008725777}]},{"text":"This is how much I'm looking at, or you can give me a call and we can talk through, you know, different options and figures and stuff for you.","start_word":2221,"end_word":2249,"intents":[{"intent":"Discuss options","confidence_score":0.3480496},{"intent":"Discuss pricing","confidence_score":0.0006141938},{"intent":"Discuss debt payment options","confidence_score":8.62227e-7}]},{"text":"As soon as Jacob told me that. And, usually, with the contributions playing because you kind of do it, like, as a as a lump sum throughout as well, it's something we would even reassess and confirm with you before doing it because you can do it at different times. But, no, we haven't done that. Yeah. Sorry.","start_word":2395,"end_word":2452,"intents":[{"intent":"Reassess payment method","confidence_score":0.0018215425}]},{"text":"Do you know how long I was paying a half full?","start_word":2469,"end_word":2479,"intents":[{"intent":"Confirm payment method","confidence_score":0.08992826},{"intent":"Disclose payment timing","confidence_score":0.000014003832},{"intent":"Inquire about contribution duration","confidence_score":0.0001904822}]},{"text":"And because that hasn't happened yet, there was a reminder for my colleague, Jack, who I think you've spoken with a few times in regards to insurances to to reach out and do that transfer for you in a month or so. But because, obviously, your situation has changed, I've canceled that, and we haven't actually processed it yet, which is Yeah.","start_word":2543,"end_word":2604,"intents":[{"intent":"Remind about cancellation","confidence_score":0.10480726}]},{"text":"good. Alright.","start_word":2604,"end_word":2605,"intents":[{"intent":"Express gratitude","confidence_score":0.031127872}]},{"text":"Alright. Yeah. Yep. She sees I know. out the out, and now she's saying she wants half my seat belt from when I was, like, 18, which I don't think is really Yeah. quite fair.","start_word":2605,"end_word":2639,"intents":[{"intent":"Confirm agreement","confidence_score":0.0012825518},{"intent":"Confirm understanding","confidence_score":0.023147149}]},{"text":"So Do you have a, like, a good lawyer and stuff that you you are working with or that's helping you I wanna with anything? keep it our way.","start_word":2641,"end_word":2669,"intents":[{"intent":"Remind about lawyer's actions","confidence_score":0.00142045}]},{"text":"not enough money. It's like Yeah.","start_word":2672,"end_word":2677,"intents":[{"intent":"Describe financial situation","confidence_score":0.000028652465}]},{"text":"not enough money. It's like Yeah. it's only Ram will be splitting up, really. Yeah. Yep.","start_word":2672,"end_word":2687,"intents":[{"intent":"Reflect on not having enough money","confidence_score":0.0000020962339}]},{"text":"yeah, we're gonna go to mediation soon, try and work some things out. But, Yeah.","start_word":2690,"end_word":2704,"intents":[{"intent":"Discuss mediation and financial situation","confidence_score":0.0005142206}]},{"text":"man, I'm happy for half of my super flip on that she hasn't worked looking after her son, Yeah.","start_word":2705,"end_word":2723,"intents":[{"intent":"Express appreciation for change","confidence_score":0.000012902933}]},{"text":"I'll leave that to to you guys, but I can see your reasoning behind behind that. See what happened.","start_word":2777,"end_word":2795,"intents":[{"intent":"Clarify reason for cancellation","confidence_score":0.0039455737}]},{"text":"Let me know as well if there's any, you know, drastic changes or anything, but we will get notified if there is a request or, like, a rollover or anything like that if it comes to it later. So just kind of keep me in the loop if, you know, there is anything that does change with your super as well. No worries.","start_word":2798,"end_word":2860,"intents":[{"intent":"Follow up on changes","confidence_score":0.0013422393},{"intent":"Offer future notifications","confidence_score":0.000011648196}]},{"text":"Now I know you only have about a couple more minutes.","start_word":2862,"end_word":2872,"intents":[{"intent":"State availability of time","confidence_score":0.000027462425}]},{"text":"But, otherwise, our job is literally through, you know, manage and look after your superannuation, and we always have to, you know, act in your best interest when we do anything.","start_word":3053,"end_word":3083,"intents":[{"intent":"Evaluate superannuation options","confidence_score":0.0477393}]},{"text":"And at the moment, when I did all the numbers and all the research, the portfolio in Hub 24 that I have recommended has performed a little bit better historically than the SMA currently, and it's also cheaper for you.","start_word":3234,"end_word":3273,"intents":[{"intent":"Discuss portfolio recommendations and make changes","confidence_score":0.0004073554}]},{"text":"Investments, when you have a look at it, which is paid to 19, I have made a couple of changes in regards to the investment. Nothing drastic just to improve the returns and the the fees for you a little bit. It is still very diversified, and the philosophy and everything stays the same. It is literally just swapping some that wasn't performing as well, the true and better option.","start_word":3435,"end_word":3504,"intents":[{"intent":"Review investment changes","confidence_score":0.04426716},{"intent":"Discuss investing options","confidence_score":0.0075133066},{"intent":"Discuss investment options","confidence_score":0.094523184}]},{"text":"But, otherwise, I have sent you investment links so you can have a look at it as well because I know you don't have too much more time with me. So this is basically gonna stay like this till the next review next year. Yeah.","start_word":3530,"end_word":3574,"intents":[{"intent":"Send investment links","confidence_score":0.16793947}]},{"text":"Let's say we foresee something happening in Japan and that's not going to do well, I will then contact you and say, hey. I would like to look at changing this investment, you know, based on the research and everything that we do, and then we'll obviously do those changes throughout the year.","start_word":3616,"end_word":3668,"intents":[{"intent":"Change investment","confidence_score":0.18808924}]},{"text":"next annual review or unless you call me and say that you wanna change anything or review anything. Alright. Yep. Now with your insurances, I do quickly wanna run through that with you, which is page 21. I'll tryna be quick because we have gone through most of how the insurance functions and everything like that last time, but I have actually recommended a new insurer. So same amount.","start_word":3716,"end_word":3784,"intents":[{"intent":"Recommend future changes","confidence_score":0.0014982227}]},{"text":"Now with your insurances, I do quickly wanna run through that with you, which is page 21. I'll tryna be quick because we have gone through most of how the insurance functions and everything like that last time, but I have actually recommended a new insurer. So same amount.","start_word":3736,"end_word":3784,"intents":[{"intent":"Consider insurance coverage","confidence_score":0.0015725926}]},{"text":"Like I said, once everything gets settled, if you feel like you don't need as much anymore, we can easily reduce it, which will mean the premium gets cheaper.","start_word":3794,"end_word":3822,"intents":[{"intent":"Reduce premium","confidence_score":0.43375254}]},{"text":"So for a million dollar worth of cover for life and TPD as well as an income protection, and the income protection, because your income is quite high, it will pay pay you that monthly benefit amount of 9,917 per month. I've also added a benefit that if you are on claim, you will continue to get contributions added to your superannuation even though you will not be working for the duration of the claim. So Yes.","start_word":3951,"end_word":4027,"intents":[{"intent":"Inform about benefits and policies","confidence_score":0.00048004743}]},{"text":"The trauma is if you suffer any of those traumatic events, like cancer, stroke, heart attack, neurological condition, that is not dependent on you working at all. So you could still be working and earning an income if you get a diagnosis. That's when you will get paid the 150,000 completely tax free to your back pocket. So this Okay. policy is out of pocket. So the monthly premium is $52.65. Wrong.","start_word":4313,"end_word":4384,"intents":[{"intent":"Promote insurance policy","confidence_score":0.00067846914}]},{"text":"Have a read over it. I know we've spoke kind of about the other bits and pieces.","start_word":4668,"end_word":4684,"intents":[{"intent":"Document document","confidence_score":0.0006509357}]},{"text":"Otherwise, from here, if you do, you know, decide that you would like to go ahead with the change, so to consolidate, update your investment, and apply for the insurances, And there is absolutely no changes in regards to the fee. So you're not paying any more through to do the the change.","start_word":4701,"end_word":4753,"intents":[{"intent":"Consolidate investment","confidence_score":0.20772074},{"intent":"Apply for insurances","confidence_score":0.9018441}]},{"text":"I do wanna mention one last thing, which is just your Zurich premium. It is outlined on the remuneration section. That is not you paying that, though. It is Zurich paying us. And, again, it's exactly the same breakdown split with all the insurers out there and for every single adviser, so it doesn't pay us in any way.","start_word":4823,"end_word":4881,"intents":[{"intent":"Discuss insurances","confidence_score":0.046199888}]},{"text":"I'll just send you an email shortly with the attachment, and then you can print it and have a read over it.","start_word":5060,"end_word":5081,"intents":[{"intent":"Send email","confidence_score":0.10174765}]},{"text":"If you have any questions when you print it out, though, that we didn't have a chance to go through today, just send me an email or or give the office a call, and we can always book you in for a bit of a follow-up to to go through that for you. Okay.","start_word":5122,"end_word":5175,"intents":[{"intent":"Request call","confidence_score":0.00044128433},{"intent":"Follow-up","confidence_score":0.0023102083}]},{"text":"Thank you so much for your time this afternoon, Xavier. And anything you need, just let me know. And I hope everything goes well, otherwise, for you, and I look forward to hearing from you soon again. Alright. Thank you.","start_word":5181,"end_word":5220,"intents":[{"intent":"Thank","confidence_score":0.15353803}]}]},"sentiments":{"segments":[{"text":"Good afternoon, Xavier.","start_word":0,"end_word":2,"sentiment":"positive","sentiment_score":0.378490686416626},{"text":"It's Veronica. How are you?","start_word":3,"end_word":7,"sentiment":"neutral","sentiment_score":0.25464311242103577},{"text":"Good. Thanks.","start_word":8,"end_word":9,"sentiment":"positive","sentiment_score":0.5440917611122131},{"text":"How are you doing? Yeah.","start_word":10,"end_word":14,"sentiment":"neutral","sentiment_score":0.2842627167701721},{"text":"Good. Thanks for calling me back.","start_word":15,"end_word":20,"sentiment":"positive","sentiment_score":0.561823308467865},{"text":"That's alright. I just need to check on vacuuming. No. No. That's alright. I had you booked in today just to kinda obviously go through and finalizing and consolidating everything for you now and everything is sorted with your me and everything. Do you still have time to go through that? Yeah. That's till five. Yep. That's fine. I can do it in that time frame for you. My son's coming over at five. Yeah. No. Now I do know as well that my colleague Jacob mentioned that you and Natalie are separating. Yep. Yep. So I'm obviously sorry sorry to hear that. And I guess moving forward just for your reference as well. So just to make sure there's no conflict, I won't be able to look after both of you. So if we're doing, you know, advice today and you are happy with that and everything, then I can keep servicing you. That's no problem. And if Natalie will just have to speak to one of my colleague just to keep it completely separate because otherwise, I can't do, obviously, best interest for both of you, if that makes sense. Yeah. That's fine. That's fine. Yep. Yep. Perfect. Now if anything has changed in terms of your goals and everything like that as we're going through things, just let me know, especially with the insurances. Now when it comes to the insurances as well, it's always I say it's always better to apply for a little bit more as well if if that, you know, the mortgage and stuff will change because it's super easy to reduce it. Because the insurer's taking on less risk, it's just a quick form to reduce it. It is harder to to increase it. So if anything has changed in terms of what you We're want gonna sell the house, so yep. I think it's just still pretty insurance the same. But Yep. Okay. So we'll leave for it now, for we're gonna now. sell the house and rent. So we'll just leave it as it is for now. Yeah.","start_word":21,"end_word":368,"sentiment":"neutral","sentiment_score":0.02404388746824758},{"text":"Yeah. And and that's easy because then it's like if you do have less, obviously, debt moving forward, you do have more cover if something were to happen.","start_word":369,"end_word":396,"sentiment":"positive","sentiment_score":0.48300719261169434},{"text":"And when things are a bit, you know, more settled for you, we can always reduce the cover if you feel like you don't need as much anymore.","start_word":397,"end_word":424,"sentiment":"neutral","sentiment_score":0.32185330986976624},{"text":"That's very easy. Does that make sense?","start_word":425,"end_word":431,"sentiment":"positive","sentiment_score":0.4890706539154053},{"text":"Yeah. That just reduced my premiums. Yep. Exactly. Yes. Now I have just sent you an email with the recommendation to go through. Do you have access to your emails at the moment or not really right now? I'm on my phone. Hold on a second. That's I'm gonna okay. get on my phone. If you don't speak, I can get on my phone. Hold on. Yeah. If you can, that would be good. But if not, I can always run it through with you. And then if it's easier for you to do it later, you can always have a read over it when you have a bit more time and access through it. It's completely up to you. I got you on speaker now. I'll just go to the email. I'll Yep. drop out. I'll I'll call you back. Where is the call? Yep. I got it. Yep. K.","start_word":432,"end_word":582,"sentiment":"neutral","sentiment_score":0.13352037966251373},{"text":"Perfect.","start_word":583,"end_word":583,"sentiment":"positive","sentiment_score":0.3414457440376282},{"text":"So we have changed the software a little bit, so it might look a bit different. But in the email, if you click on the link where it says sign out, it will get you to open the document, but they won't get you to sign anything right away. Before you click on the link, you will see a couple of attachments as well. That's all your research materials. So I won't go through all of that with the Excel. Otherwise, I'll keep you here for a while. But that's essentially where all the research and everything is accumulated and the investments and stuff like that. That's where that all is. But if you can just click on the link for me, and it should open up where it says statement of advice. Just sign document. Is that your name? Yes. Sorry. It'll get you to click on the link, but it won't ask you to sign anything first. It just allows you to open the document. Just wanna use my location. Yeah. Statement of advice, compared to David Hammond. Yes. That's it.","start_word":584,"end_word":766,"sentiment":"neutral","sentiment_score":0.07718008915420438},{"text":"Perfect.","start_word":767,"end_word":767,"sentiment":"positive","sentiment_score":0.443293571472168},{"text":"Now you are a little bit faint. So just if I can't hear you properly, just just let me know if I do talk over to you or anything like that. I'm not having my finger over this volume. Is that better? That is a little bit better.","start_word":768,"end_word":815,"sentiment":"neutral","sentiment_score":-0.08720412850379944},{"text":"Thank you.","start_word":816,"end_word":817,"sentiment":"positive","sentiment_score":0.47687017917633057},{"text":"Now like I said, I'll try to make it really quick for you. We have gone through kind of this before. And so a lot of it is just for for compliance. But, essentially, what we are looking at today is to get everything sorted and finalized and consolidated for you and get those insurances sorted. Now as per last time, always have to follow that this interest duty, which is outlined on page two, which is that we have to always act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, I cannot actually make the recommendation. Does that make sense? Yeah. Yep.","start_word":818,"end_word":938,"sentiment":"neutral","sentiment_score":0.15532290935516355},{"text":"Perfect.","start_word":939,"end_word":939,"sentiment":"positive","sentiment_score":0.34764406085014343},{"text":"Now as you scroll through, again, I'll try to make it quick for you. Like I said, what we are looking at today is your superannuation, reviewing your superannuation to see if we can get it consolidated. I also looked at your investments to see because, obviously, things in the last twelve months have fluctuated a little bit, and there's been a lot going on in the world. So we've done I've done some recommendations and updating some of those investments for you, which I will go through. Otherwise, just trying to get those insurances sorted for you, which is essentially what we are looking at today. So if you could do me a favor and scroll down through page. Let me see here, 16 where it says see comparison. Just let me know when you can see that page. Page yeah. Is it the 16 or 17 if you account the cover page, but it should say fee comparison table. Yes. Yep. You can see that. Now I have researched both your superannuation, so both Basque and Hub twenty four and also other providers.","start_word":940,"end_word":1124,"sentiment":"neutral","sentiment_score":0.14560634320652163},{"text":"Again, just to make sure Hub twenty four is still going to be the best option for you because there are always, you know, new products and features that do come out.","start_word":1125,"end_word":1156,"sentiment":"positive","sentiment_score":0.39159250259399414},{"text":"So that's not to say it's always going to be, so that is important for us to keep researching.","start_word":1157,"end_word":1175,"sentiment":"neutral","sentiment_score":0.18576250970363617},{"text":"But from all of that, Hub twenty four still very much is the best recommendation when it comes through, you know, the fees, the investment choices in comparison to a lot of their similar options.","start_word":1176,"end_word":1210,"sentiment":"positive","sentiment_score":0.4004898965358734},{"text":"So I have recommended that you stay in hub twenty four. Now I did consider just keeping you in Basque and rolling over to Basque if that was going to be better for you. But because of the limitation on the investment option in Basque, I couldn't achieve the same investment return as I can in Hub twenty four.","start_word":1211,"end_word":1269,"sentiment":"neutral","sentiment_score":0.046481903642416},{"text":"So I have recommended that we completely consolidate everything into Hub twenty four to make it nice and easy and also updating some of those investments. And by doing it, you can see that the total cost has actually been reduced.","start_word":1270,"end_word":1310,"sentiment":"positive","sentiment_score":0.40845540165901184},{"text":"So even though from an administration point of view, Bastia is a little bit cheaper than hub twenty four, by still making the changes to your $179 per year in just fees alone. That make sense so far? Not really. I don't I I get what you're saying. But, Yep.","start_word":1311,"end_word":1360,"sentiment":"neutral","sentiment_score":0.1439766138792038},{"text":"yeah, how much was better than last year, basically. Basically, for what you what your goals are and what you are trying to achieve and trying to maximize that growth for you, yes.","start_word":1361,"end_word":1393,"sentiment":"positive","sentiment_score":0.3836652338504791},{"text":"After doing the research, I couldn't achieve the same outcome in bus queue as I as I can in Hub twenty four. And What the basic heck on vacation? Is that how much super I get so net contribution is how much super you get per year from your employer after tax. So a year? the tax is 15%, but, yes, the net contributions is your employer contributions after tax that they pay. Okay. Yep. Now this here as well also includes the insurance premium, which I will go through the new policy for you.","start_word":1394,"end_word":1488,"sentiment":"neutral","sentiment_score":0.03367989084462782},{"text":"I have been able to do so.","start_word":1489,"end_word":1495,"sentiment":"positive","sentiment_score":0.42110300064086914},{"text":"When you are swapping and selling some investments, there are sometimes capital gains tax associated with it.","start_word":1496,"end_word":1512,"sentiment":"neutral","sentiment_score":0.10832542181015016},{"text":"But the way that we have swapped your investments, there is no trigger in capital gains tax, which is great.","start_word":1513,"end_word":1532,"sentiment":"positive","sentiment_score":0.4474148452281952},{"text":"Yeah. Now when it comes to the performance, so the difference between them, you can see there at the bottom, it says a five year rolling average. So the the kind of updated recommended portfolio in hub '24. And because, also, you don't have the plus q anymore, and that had underperformed a little bit. The the new recommended portfolio consolidated has performed a little bit better when we are looking at that five year rolling average time frame. But what I have also done on the following page, the page 17 or 18, you can see a twelve month, three year, and five year as well. Can you see that? Yeah. Yeah. The five Yep. percent. Exactly.","start_word":1533,"end_word":1650,"sentiment":"neutral","sentiment_score":0.1857495158910751},{"text":"Just to show you a bit more of that the recommended across both the twelve months, the three years, and five years has kind of outperformed in all categories as well, which which is good, and it's a little bit cheaper. Yeah. That's good.","start_word":1651,"end_word":1694,"sentiment":"positive","sentiment_score":0.42434027791023254},{"text":"In the ten years, I'm not gonna show up a grand. In ten years? Exactly. So by making the change. That is assuming everything stays the same. So your contribution stays the same. If you get a pay rise and you earn more, then your employer is gonna put more in, which is gonna compound. But then, also, there is no, obviously, guarantee when it comes to the performances. We can't guarantee anything. But that is why we use a five year rolling average when we calculate the projection to give you a bit more, you know, certainty over a a longer period of time of what actually happened. Then let's say if I used a three year, as you can see, it has performed a lot better, but that's only a three year time frame.","start_word":1695,"end_word":1830,"sentiment":"neutral","sentiment_score":0.054597027599811554},{"text":"So using that five year gives us a little bit more certainty of how the portfolio has performed, but then also the market as well.","start_word":1831,"end_word":1855,"sentiment":"positive","sentiment_score":0.3829208314418793},{"text":"Okay. Does that make sense? Yeah. Yeah. If I want is is salary sacrifice hard to set up if I want No. to put more? No. No. Definitely not. So if you want it through salary sacrifice, you could literally just let either you can go directly to employer because they set it up for you and say, hey. I wanna put in x amount per week or fortnightly or monthly depending on how you get paid, and they will do that for you. You can always just send me an email otherwise of how much you are looking at doing. I would say that's the better way just so that I can run the numbers for you. Because there is a cap space on how much you can put in to get the tax effective, which is 30,000 per financial year. If you exceed that, you're not gonna have the same tax benefit, and you also have to pay a little bit more. So I would say it's always better if if you know how much you want to do, Email me and say, hey. I would like to put in $100 a week, a $100 a month, or whatever it might be, and then I can send you do the math for you just to make sure you stay under the contribution cap. And then I can draft a letter, and then you can just forward out to your employer to say that you would like to start salary sacrificing, you know, assuming you see under the cap. And in that email, I can always put as well how much that changes your take home pay as well as your tax savings to make it easy. Yeah. Okay. Yeah. Probably a long winded answer, but, yes, we can definitely help that. I think well, I think I'll just get through this separation part, and Yep. then I'll look We at that. can reassess. Yep.","start_word":1856,"end_word":2181,"sentiment":"neutral","sentiment_score":0.11881644278764723},{"text":"That sounds good.","start_word":2182,"end_word":2184,"sentiment":"positive","sentiment_score":0.5130853652954102},{"text":"And you can just even email me or call and say, hi. We like to look at reassessing that now. And you can like I said, you can either just email me and say, hey. This is how much I'm looking at, or you can give me a call and we can talk through, you know, different options and figures and stuff for you. But I'll make a little note that it is something we wanna look at, you know, in in the near future. And And, obviously, if yeah. sorry.","start_word":2185,"end_word":2275,"sentiment":"neutral","sentiment_score":0.1500251442193985},{"text":"Have we stopped so I don't wanna keep giving my extra half half my pay half my Uber.","start_word":2276,"end_word":2293,"sentiment":"negative","sentiment_score":-0.3477151393890381},{"text":"Yes.","start_word":2294,"end_word":2294,"sentiment":"neutral","sentiment_score":-0.11218352615833282},{"text":"We No. stop. We're not doing that.","start_word":2295,"end_word":2301,"sentiment":"negative","sentiment_score":-0.43511271476745605},{"text":"Yep.","start_word":2302,"end_word":2302,"sentiment":"neutral","sentiment_score":-0.2231506705284119},{"text":"We're not doing that.","start_word":2303,"end_word":2306,"sentiment":"negative","sentiment_score":-0.41270869970321655},{"text":"Yep. I know that was and, also, I'll make a note to the team through like, on Hub twenty four. So we don't have family linking. So, obviously, you can use the information and stuff like that. So that's all been sorted for you as well. And I've taken off the eTPA on the account that you guys can call up and ask each other's behalf as well. So that's taken off. So it's completely separated. Okay.","start_word":2307,"end_word":2383,"sentiment":"neutral","sentiment_score":-0.004234920721501112},{"text":"Thank Yep.","start_word":2384,"end_word":2385,"sentiment":"positive","sentiment_score":0.33364027738571167},{"text":"you. No. That's okay. Yeah. No. Good. No. Definitely. As soon as Jacob told me that. And, usually, with the contributions playing because you kind of do it, like, as a as a lump sum throughout as well, it's something we would even reassess and confirm with you before doing it because you can do it at different times. But, no, we haven't done that. Yeah. Sorry. That's all that's all with you, and we don't we've canceled that moving forward as well. Do you know how long I was paying a half full? I don't think I'll triple check, but I don't think we actually did much of it at all, if any, because when how it works is that you can do it in a lump sum before the end of the financial year. So that's typically when we would do a bit of a lump sum before the end of the financial year. And because that hasn't happened yet, there was a reminder for my colleague, Jack, who I think you've spoken with a few times in regards to insurances to to reach out and do that transfer for you in a month or so. But because, obviously, your situation has changed, I've canceled that, and we haven't actually processed it yet, which is Yeah.","start_word":2386,"end_word":2603,"sentiment":"neutral","sentiment_score":-0.062151069898124134},{"text":"good.","start_word":2604,"end_word":2604,"sentiment":"positive","sentiment_score":0.4759373962879181},{"text":"Alright. Yeah. Yep. She sees I know. out the out, and now she's saying she wants half my seat belt from when I was, like, 18, which I don't think is really Yeah. quite fair. Yeah. So Do you have a, like, a good lawyer and stuff that you you are working with or that's helping you I wanna with anything? keep it our way. There's Okay.","start_word":2605,"end_word":2671,"sentiment":"neutral","sentiment_score":0.08524145931005478},{"text":"not enough money.","start_word":2672,"end_word":2674,"sentiment":"negative","sentiment_score":-0.3890637159347534},{"text":"It's like Yeah. it's only Ram will be splitting up, really. Yeah. Yep. But, Yeah. yeah, we're gonna go to mediation soon, try and work some things out. But, Yeah.","start_word":2675,"end_word":2704,"sentiment":"neutral","sentiment_score":-0.08065055310726166},{"text":"man, I'm happy for half of my super flip on that she hasn't worked looking after her son, Yeah.","start_word":2705,"end_word":2723,"sentiment":"positive","sentiment_score":0.3707478046417236},{"text":"Yeah. And that's kind of you as well to be like, okay. Well, while you were off work and that's often what I'm hearing from from people as well. It's like, well, while you were off work looking after but our baby and I was Yeah. working, that's fair. But before then yeah. I'll leave that to to you guys, but I can see your reasoning behind behind that. See what happened. Yeah. Yeah. Let me know as well if there's any, you know, drastic changes or anything, but we will get notified if there is a request or, like, a rollover or anything like that if it comes to it later. So just kind of keep me in the loop if, you know, there is anything that does change with your super as well. No worries.","start_word":2724,"end_word":2860,"sentiment":"neutral","sentiment_score":0.09839607775211334},{"text":"Perfect.","start_word":2861,"end_word":2861,"sentiment":"positive","sentiment_score":0.5371421575546265},{"text":"Now I know you only have about a couple more minutes. So before I kind of jump into insurances quickly, do you have any questions in regards to, you know, the super or anything like that, or it's, you know, pretty straightforward? I guess I don't know. I I don't. I'm just a plumber, really. So that's also I guess why you speak to us so you don't have to worry about it.","start_word":2862,"end_word":2934,"sentiment":"neutral","sentiment_score":0.1761819356924867},{"text":"I just I just wanna know someone's keeping an eye on it for me, like, doing what Yeah. I should for me. Yeah. Yeah. And and that's how it is because it's like it takes you don't have to worry about it, and we'll obviously do annual reviews every twelve months. If you want more catch ups to see if you want more, we can do it six monthly or or quarterly as well. It's completely up to how much contact you would want. And we always give you updates on, you know, what's happening, keeping a look at even for, like, the newsletters and stuff, which sometimes gives a a good update of what is going on.","start_word":2935,"end_word":3052,"sentiment":"positive","sentiment_score":0.4548095464706421},{"text":"But, otherwise, our job is literally through, you know, manage and look after your superannuation, and we always have to, you know, act in your best interest when we do anything. And we can't just go ahead and make changes without your approval or anything like that.","start_word":3053,"end_word":3099,"sentiment":"neutral","sentiment_score":0.19534270465373993},{"text":"But, obviously, it's it's our job through you to do all the research and make sure that we have you in the best option and position for your retirement. So that is not something you have to worry about.","start_word":3100,"end_word":3138,"sentiment":"positive","sentiment_score":0.4250597357749939},{"text":"Yeah. There was something said last time I was talking these, which was sort of along the lines of someone actually, like, looking at it and changing stuff as it needs to be changed. And that was an Yes. option. I'll I'll sort of like, I've had to start with, but Yes. Yes. I did I know. look at that as part of the research for you, which is the the SMA, so a self managed account, which we recently launched with BlackRock.","start_word":3139,"end_word":3221,"sentiment":"neutral","sentiment_score":0.15205538272857666},{"text":"So I consider that as part of the research for you.","start_word":3222,"end_word":3232,"sentiment":"positive","sentiment_score":0.4760366380214691},{"text":"And at the moment, when I did all the numbers and all the research, the portfolio in Hub 24 that I have recommended has performed a little bit better historically than the SMA currently, and it's also cheaper for you. So the SMA was a little bit more expensive and hadn't performed as well up to this point. That's not so, therefore, I didn't recommend it because I couldn't justify that that was going to be better for you than the recommendation I have made.","start_word":3233,"end_word":3317,"sentiment":"neutral","sentiment_score":-0.0631338581442833},{"text":"That's not to say that things might change, and we might be able to move that through the SMA because the the positive thing with the SMA is that we can very quickly make those changes. We still research and do those changes for you anyway. It would just mean that I would run through the changes with you, and you would assign a document to say that you are happy with the change, and then I can go ahead and make it.","start_word":3318,"end_word":3400,"sentiment":"positive","sentiment_score":0.4798833131790161},{"text":"That's basically the difference. Yeah. Okay. Yeah. Alright. But, yes, it's something we're always reviewing. Now I know you only have a couple more minutes, so I will leave leave the superside for you. Investments, when you have a look at it, which is paid to 19, I have made a couple of changes in regards to the investment. Nothing drastic just to improve the returns and the the fees for you a little bit.","start_word":3401,"end_word":3475,"sentiment":"neutral","sentiment_score":0.1825815886259079},{"text":"It is still very diversified, and the philosophy and everything stays the same.","start_word":3476,"end_word":3488,"sentiment":"positive","sentiment_score":0.4228459596633911},{"text":"It is literally just swapping some that wasn't performing as well, the true and better option. If it is something you wanna go through in more detail with me later, just let me know.","start_word":3489,"end_word":3522,"sentiment":"neutral","sentiment_score":0.21532924473285675},{"text":"I'm more than happy to do so.","start_word":3523,"end_word":3529,"sentiment":"positive","sentiment_score":0.5259798169136047},{"text":"But, otherwise, I have sent you investment links so you can have a look at it as well because I know you don't have too much more time with me. So this is basically gonna stay like this till the next review next year. Yeah. Unless we contact you to say that, hey. We're doing research, and we foresee this investment changing, then I'll contact you and say, hey. I would like to look at swapping, you know, let's say you have one in Japan. Let's say we foresee something happening in Japan and that's not going to do well, I will then contact you and say, hey. I would like to look at changing this investment, you know, based on the research and everything that we do, and then we'll obviously do those changes throughout the year. But if there's no, you know, drastic changes or anything, and lot lot of it is also build up for long term growth. So it can, you know, withstand those short term fluctuations and cyclical trends in the market. And then, yes, otherwise, things will stay until Okay. next annual review or unless you call me and say that you wanna change anything or review anything. Alright. Yep. Now with your insurances, I do quickly wanna run through that with you, which is page 21. I'll tryna be quick because we have gone through most of how the insurance functions and everything like that last time, but I have actually recommended a new insurer. So same amount. So page 21, same million dollar life and TTD. Like I said, once everything gets settled, if you feel like you don't need as much anymore, we can easily reduce it, which will mean the premium gets cheaper. But then at least in the meantime, you do have, you know, a lot of especially that TCD. Because if something were to happen to you, you will need potentially a bit more of that income replacement to help you get through as well. So the yearly premium is $3,007.80. Yeah? Correct. Yes. And that is for all three. Yeah. Yep. Sorry. What was that, Xavier? Oh, I said that I thought it cost more than that. That's not too bad.","start_word":3530,"end_word":3903,"sentiment":"neutral","sentiment_score":0.10208486291495236},{"text":"So Yeah. And especially, for the that's level that's good.","start_word":3904,"end_word":3913,"sentiment":"positive","sentiment_score":0.4212110638618469},{"text":"of cover. I because you're quite young, still The insurance point of you usually, the older you get, the more expensive they get because you can have, you know, more health issues and stuff like that. So for a million dollar worth of cover for life and TPD as well as an income protection, and the income protection, because your income is quite high, it will pay pay you that monthly benefit amount of 9,917 per month. I've also added a benefit that if you are on claim, you will continue to get contributions added to your superannuation even though you will not be working for the duration of the claim. So Yes. does that make sense? Yep. Yep.","start_word":3914,"end_word":4032,"sentiment":"neutral","sentiment_score":0.11839332425293804},{"text":"Perfect.","start_word":4033,"end_word":4033,"sentiment":"positive","sentiment_score":0.5715970396995544},{"text":"Thirty day waiting period, five year benefit periods are similar to last time. The the added kind of benefit with Zurich is that they pay fifteen days in arrears. There's only two providers who do that, which is Zurich on one path, every single else through thirty days in arrears, which will mean that you'll get to claim quicker on Zurich policy.","start_word":4034,"end_word":4095,"sentiment":"neutral","sentiment_score":0.27158623933792114},{"text":"If something were to happen, you'll be able to get that benefit paid to you quicker than with other providers, which is good. And they just do that built in.","start_word":4096,"end_word":4125,"sentiment":"positive","sentiment_score":0.435822457075119},{"text":"Yeah. Okay. Yeah.","start_word":4126,"end_word":4128,"sentiment":"neutral","sentiment_score":0.20825934410095215},{"text":"Perfect.","start_word":4129,"end_word":4129,"sentiment":"positive","sentiment_score":0.5326314568519592},{"text":"Now when you read through the document, when you have some time, there are a bit more information in regards to the policy, all the advantages. In regards to it, I've also included a PDF. So everything you need to know about your Zurich insurances there for you. If you have any questions, let me know. Otherwise, in terms of inclusions and features, it's very similar to the other provider that I spoke to you about last time.","start_word":4130,"end_word":4207,"sentiment":"neutral","sentiment_score":0.2311396598815918},{"text":"But when I run the numbers this time, it still came out a little bit more competitive in price as well as still having the the same features. So that's really good. Made it a little bit cheaper.","start_word":4208,"end_word":4245,"sentiment":"positive","sentiment_score":0.4642253518104553},{"text":"And I This do wanna just yeah. this thing happens to some whatever trauma cover, like, I can just claim this to keep me going while I'm doing whatever else. So income protection is if you're unable to work temporarily. So, yes, trauma, which is on the page 22, I have recommended the trauma for you again, at a 150,000. Now that is a separate policy. The trauma is if you suffer any of those traumatic events, like cancer, stroke, heart attack, neurological condition, that is not dependent on you working at all. So you could still be working and earning an income if you get a diagnosis. That's when you will get paid the 150,000 completely tax free to your back pocket. So this Okay. policy is out of pocket. So the monthly premium is $52.65. Wrong. Okay. So, obviously, have a think about cash flow and stuff like that. Again, if you say, okay. I'll I'll happy to start with the trauma and start with everything, and something changes with your cash flow when you have, you know, a better understanding of rental expenses or anything like that and you go, no. I I don't wanna pay for out of pocket anymore. We can just cancel it. It's really easy to cancel if you change your mind. But, again, obviously, I'll let you think about it. But it's $53.65 per month, and that gives you a 150,000 worth of trauma as well as an added 150,000 worth of life just to make your your policy cheaper. That's it. It's really only 13 or $14 a week, isn't it? It's not really It's that much. not it's not that much at all. And I typically say as well that if you have yeah. It's $13.16 a week. That if you have the cash flow, it is one of those policies we see claimed on the most because you don't have to prove that you're unable to go back to work. If you just get a diagnosis that's on there, you will get paid out, Yeah. and it's tax free.","start_word":4246,"end_word":4595,"sentiment":"neutral","sentiment_score":0.010864315160683225},{"text":"So it is a really good policy to have.","start_word":4596,"end_word":4604,"sentiment":"positive","sentiment_score":0.36128512024879456},{"text":"But usually for people, the sticky point is having the cash flow because you can't pay for it out of the. Yeah. But I yes. think Yes, sir. Mhmm. What was that? Sorry. yeah. I think I'll go with that.","start_word":4605,"end_word":4644,"sentiment":"neutral","sentiment_score":-0.03684772178530693},{"text":"That sounds good.","start_word":4645,"end_word":4647,"sentiment":"positive","sentiment_score":0.36273193359375},{"text":"Yep. Yep.","start_word":4648,"end_word":4649,"sentiment":"neutral","sentiment_score":0.18290460109710693},{"text":"Perfect.","start_word":4650,"end_word":4650,"sentiment":"positive","sentiment_score":0.40352803468704224},{"text":"Now I know you have to go, so I won't go through the rest with you. Have a read over it. I know we've spoke kind of about the other bits and pieces. If you have any questions in regards to any any of the rest, just let me know. Otherwise, from here, if you do, you know, decide that you would like to go ahead with the change, so to consolidate, update your investment, and apply for the insurances, And there is absolutely no changes in regards to the fee. So you're not paying any more through to do the the change. It is all part of the advice service fee, which is that 1.1 form due graduation. There is no increases or anything like that.","start_word":4651,"end_word":4777,"sentiment":"neutral","sentiment_score":0.116707640722042},{"text":"It stays exactly the same.","start_word":4778,"end_word":4782,"sentiment":"positive","sentiment_score":0.35241496562957764},{"text":"It's just part of the service. Yeah. And that's, again, if we do this a couple of times or when your situation change, again, there is no additional fees or charges. It's all part of the ongoing advice Alright.","start_word":4783,"end_word":4821,"sentiment":"neutral","sentiment_score":0.22449560463428497},{"text":"Perfect.","start_word":4822,"end_word":4822,"sentiment":"positive","sentiment_score":0.6226752400398254},{"text":"I do wanna mention one last thing, which is just your Zurich premium. It is outlined on the remuneration section. That is not you paying that, though. It is Zurich paying us. And, again, it's exactly the same breakdown split with all the insurers out there and for every single adviser, so it doesn't pay us in any way. But for compliance purposes, we have to disclose it so you are fully aware of everything. But if you see it, that is not you paying those insurances, that is you're paying us. Does that make sense, Javier? Yeah. Yeah. Yeah. I'm Great. going to Office Works. We won't be able to print all this out. I'll just I struggle reading off Yes. I can just get the oh, yes. Yep. Yep. I was gonna say, I can get them to email you, but that doesn't really that doesn't really work. Yeah. Do that. screen. Would you like us to send it to you in an email as well if it's easier to to download and print it? Yeah. That'll be better because Yes? I I just my eyes Hello? are a bit funny and I'm reading all the stuff properly and it was on paper for some reason. Yeah. No.","start_word":4823,"end_word":5032,"sentiment":"neutral","sentiment_score":0.022503884509205815},{"text":"That is no problem.","start_word":5033,"end_word":5036,"sentiment":"positive","sentiment_score":0.4506799876689911},{"text":"I will get the the team through email you or, actually, I'll just do because most of them have left for the day. I'll just send you an email shortly with the attachment, and then you can print it and have a read over it. It is still valid for a a bit of time as well. So you do have about thirty days or so to have a read over it and, you know, decide what you would like to do, so no rush. If you have any questions when you print it out, though, that we didn't have a chance to go through today, just send me an email or or give the office a call, and we can always book you in for a bit of a follow-up to to go through that for you. Okay. No worries. Okay.","start_word":5037,"end_word":5178,"sentiment":"neutral","sentiment_score":0.19820141792297363},{"text":"No worries. Thank you so much for your time this afternoon, Xavier. And anything you need, just let me know. And I hope everything goes well, otherwise, for you, and I look forward to hearing from you soon again. Alright. Thank you. No problem. We'll speak soon. Thanks.","start_word":5179,"end_word":5226,"sentiment":"positive","sentiment_score":0.6307633519172668},{"text":"Bye. Bye.","start_word":5227,"end_word":5228,"sentiment":"neutral","sentiment_score":0.2265600860118866}],"average":{"sentiment":"neutral","sentiment_score":0.1331933600317628}}}}